https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Sat, 13 Jun 2026 00:00:00 GMT https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css.en https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css.en A deep dive into the CSS (Credit Scoring System), the brain of loan underwriting. We cover application vs behavior scores, WoE/IV-based scorecard development, the regulatory comparison between logistic regression and ML models, feature stores and real-time serving architecture, decision engines, PSI monitoring, and the IRB approach (PD/LGD/EAD) from a practitioner viewpoint. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) credit-scoringcssrisk-managementmachine-learningscorecardbaselfintech https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css.ja https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css.ja 与信審査の頭脳であるCSS(Credit Scoring System)を解剖します。申込スコアと行動スコア、WoE/IVベースのスコアカード開発、ロジスティック回帰とMLモデルの規制観点での比較、フィーチャーストアとリアルタイムサービングのアーキテクチャ、意思決定エンジン、PSIモニタリング、内部格付手法(PD/LGD/EAD)までを実務の視点で整理します。 Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) credit-scoringcssrisk-managementmachine-learningscorecardbaselfintech https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css https://www.youngju.dev/blog/finance/2026-06-13-credit-scoring-risk-system-css 여신 심사의 두뇌인 CSS(Credit Scoring System)를 해부합니다. 신청평점과 행동평점, WoE/IV 기반 스코어카드 개발, 로지스틱 회귀와 ML 모델의 규제 관점 비교, 피처 스토어와 실시간 서빙 아키텍처, 의사결정 엔진, PSI 모니터링, 내부등급법(PD/LGD/EAD)까지 실무 관점에서 정리합니다. Sat, 13 Jun 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) credit-scoringcssrisk-managementmachine-learningscorecardbaselfintech