I study risk modeling for consumer finance and digital lending. My current work explores interpretable/ explainable machine learning for credit risk, fairness, and supervisory compliance—aiming to support safer community banking and practical regulator-aligned analytics.
Using Explainable Machine Learning to Predict Loan Risk in Consumer Finance
Draft/working paper. See profile for citation updates:
Google Scholar.
Open-source rules and demo package for risk monitoring and analysis:
Email: zhanglixin@finrisklab.dev