An Interview With Earnest: Ethical data science for better lending

by mallyvai • 12 years ago

14 6 12 years ago

dzhang50• 12 years ago

Good 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• 12 years ago

Really 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• 12 years ago

I 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

aidenn02• 12 years ago

I hope I'm never in so desperate need for a loan that I have to sign up for LinkedIn.

fotoetienne• 12 years ago

Interesting 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?

aidenn02• 12 years ago

Right 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.

An Interview With Earnest: Ethical data science for better lending

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