Sagar Poudel

XGBoost versus LightGBM for Loan Approval Prediction: A Controlled, Like-for-Like Comparison

Deciding whether to approve a loan application is one of the highest-stakes decisions a lender makes: approving a risky applicant invites default, while turning away a sound one loses a good customer. Predicting the approval decision accurately is therefore central to comprehensive credit management. Gradient boosting...