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Herman Jopia
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  • Honolulu, Hawaii
  • United States
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8+ years of experience in retail banking leading the analytic units of Marketing and Credit Risk, developing and managing several data-driven projects such as credit scoring and credit loss models; forecasting, budgeting, and monitoring key performance metrics of the portfolio, and reporting on a regular basis to top management and regulators.
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Herman Jopia's Blog

Optimal Binning for Scoring Modeling (R Package)

Posted on February 22, 2015 at 12:00am 0 Comments

The R Package smbinning categorizes a numeric variable into bins (intervals) for its ulterior usage in scoring modeling. The theory behind it falls within a branch of Machine Learning called Supervised Discretization, a categorization technique that divides a continuous variable into a small number of intervals mapped to a discrete target…


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At 11:49am on February 26, 2015, Mark Locatelli said…

Hi Herman!

Thank you for the links to sbmining.  I learned a lot about Information Value and other measures of discretization quality.





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