Credit Card Collections AI: How Revolving Behaviour Changes the Propensity Model

Your Installment Model Isn’t Underperforming on Cards. It’s Answering a Different Question. TL;DR A collections model that performs well on personal loans and auto loans, then quietly underperforms the moment it’s pointed at a credit card portfolio, isn’t a model that needs more data. It’s a model answering a question revolving credit doesn’t ask. Why […]


