Niral J Shah

Writing

Questions worth following.

FinTech, data and the words wrapped around both. What is here so far is from the archive; new posts go to the free newsletter first.

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An ELO-rating model for loan default prediction

Scoring loan applicants the way chess rates players — against a model applicant who repaid — with a confidence interval that says when to buy a credit report.

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Signal over Noise

A build. A number. A good read.

Occasional notes on FinTech, data and plain writing: one thing I built, one number worth knowing with its source, and one thing worth reading. Sent when there is something worth sending.

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