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When You Can’t Measure What Matters: A Closed-Loop Harness for Probability-of-Default Estimation

Hossain Pazooki
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July 23, 2026

Author(s): Hossain Pazooki Originally published on Towards AI. When You Can’t Measure What Matters: A Closed-Loop Harness for Probability-of-Default Estimation Causal estimators for loan decisions cannot be graded on real lending data, because the data never contains the answer. Planting the truth …

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