A few months ago, I built a neural network regression model to predict loan risk, training it with a public dataset from LendingClub. Then I built a public API with Flask to serve the model’s predictions.
Then last month, I decided to put my model to the test and found out that my model can pick grade A loans better than LendingClub!
In case you missed it, I built a neural network to predict loan risk using a public dataset from LendingClub. Then I built a public API to serve the model’s predictions. That’s nice and all, but… how good is my model?
Today I’m going to put it to the test, pitting it against the risk models of the very institution who issued those loans. That’s right, LendingClub included their own calculated loan grades (and sub-grades) in the dataset, so all the pieces are in place for the most…
LendingClub is the world’s largest peer-to-peer lending platform. Until recently (through the end of 2018), LendingClub published a public dataset of all loans issued since the company’s launch in 2007. I’m accessing the dataset via Kaggle.
With 2,260,701 loans to look at and 151 potential variables, my goal is to create a neural network model with TensorFlow and Keras to predict the fraction of an expected loan return that a prospective borrower will pay back. This will require a lot of…
Ever wanted to create a browser console log that persists after a page reloads? Sure, that isn’t a problem if you enable the “preserve log” option in your developer console, but hear me out.
console.warn(), but the moment…
My goodness gracious, this coronavirus epidemic keeps looking worse every single day. From what I’m reading lately, it now looks like the need for social distancing is going to extend for several more months, not just several more weeks. Most frightening, look at these maps of projected infection rates in the United States by July 1 based on three different scenarios:
In the interactive map farther down in the article, move the timeline just a month later to August 1 and it looks even worse:
The tragic death of Samantha Josephson on March 29, 2019, is extremely heart-wrenching and was not at all her fault. Her parents’ mission to educate the world on rideshare safety in her memory is noble and absolutely worth pursuing. But unfortunately, their central recommendation and social media campaign of asking your driver “What’s my name?” when you get in the car is the exact opposite of what you should do and in fact puts rideshare drivers at risk.
Uber and Lyft have long provided the following four key pieces of information to identify your driver:
I’m a recovering mutual fund investor. Not that I ever thought that mutual funds were a good idea — I just didn’t think about it. But now I’ve done just the slightest bit of research and found out how to save at least hundreds of thousands of dollars in opportunity cost over the coming decades.
My dad referred me to Edward Jones my first year out of college to buy life insurance.* Then they convinced my wife and me to open a couple of IRAs with them. I have to mention first that I’m glad they did, because that was…
Software developer, former RV nomad.