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An Interview With Earnest: Ethical data science for better lending
- dzhang50 12y agoGood article. The correlation between having more than 0 LinkedIn connections and financial responsibility surprised me. I wonder though if the correlation will decrease in the future though, as financially irresponsible people game the system by simply creating a LinkedIn profile and adding a few connections before applying to Earnest.
- mallyvai 12y agoReally enjoyed this interview - some pretty interesting insights. Brian and the Earnest team (along with myself!) will be hanging around the HN comments for extra questions.
- evandev 12y agoI really enjoyed this! I'm really interested in knowing more about the tech stack you are using. I work for Analytical Flavor Systems[0], where we do heavy data science in R and then display everything in R Shiny. Currently I'm looking at different methods of moving off the R Shiny platform as our application has gotten really complex. The main problem is we are constantly running our algorithms when new data comes in per producer and we have to display it. [0] https://www.gastrograph.com https://www.gastrograph.com
- aidenn0 12y agoI hope I'm never in so desperate need for a loan that I have to sign up for LinkedIn.
- fotoetienne 12y agoInteresting article. It does raise a tricky question though: What separates ethical/unethical or fair/unfair factors on which to discriminate. I choose not to use LinkedIn based on their privacy policy among other things. Is it fair for me to be discriminated against because of this?
- aidenn0 12y agoRight now you will have a lower credit rating with 0 credit cards than with a small number that you do not maintain a balance on. I know several people that don't use credit cards out of privacy concerns.