Notes on credit risk, model evaluation, causal inference and applied AI.https://www.yuvalherman.co.il/https://www.yuvalherman.co.il/writing/roc-curve-as-a-lending-decision/https://www.yuvalherman.co.il/writing/roc-curve-as-a-lending-decision/Every point on a credit model's ROC curve is a policy someone has to sign off on. Here is how to read it that way.Thu, 29 Oct 2026 00:00:00 GMT