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Data Science3 min read

Implementing automated credit decisioning: A Data Science Approach

Designing an automated credit decisioning system with gradient boosted trees — from manual review to real-time scoring in production

Cyril Noirot
Cyril Noirot
May 3, 2017
Cyril Noirot

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Cyril Noirot

Data scientist specializing in decision systems for forecasting, pricing, marketing measurement, and risk.

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From lifecycle limits to markdown rules: The product constraints behind retail profit optimization

Why retailers can't escape markdown pricing—a deep dive into the lifecycle, inventory, and pricing constraints that shape modern retail optimization strategies

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Concavity and Network Flow in Profit Optimization: How Diminishing Returns Enable Efficient Solutions

Understanding why retail revenue functions are concave, how this property enables convex optimization, and the network flow interpretation that powers modern markdown pricing algorithms

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Markdown Pricing Optimization: Stochastic Programming for Retail

How retailers transform predictive demand models into prescriptive pricing decisions through stochastic programming, jointly optimizing markdown prices and inventory allocation under uncertainty

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