http://lzteddy.com/tags/machine-learning/Recent content in Machine Learning on Zitao LiaoHugo -- gohugo.ioen-usWed, 22 Apr 2026 00:00:00 +0000http://lzteddy.com/p/loan-default-prediction-ml/Sun, 01 Jun 2025 00:00:00 +0000http://lzteddy.com/p/loan-default-prediction-ml/<h2 id="background">Background </h2><ul> <li>Time: Jun 2025</li> <li>Context: Machine learning project for loan risk modeling.</li> </ul> <h2 id="highlights">Highlights </h2><ul> <li>Built an end-to-end binary classification pipeline for loan default prediction, including preprocessing, feature selection, training, and evaluation.</li> <li>Benchmarked Random Forest, Bagging ensemble, and XGBoost under a unified experiment setting.</li> <li>Tuned XGBoost hyperparameters and selected it as the final model based on accuracy and training efficiency.</li> <li>Generated final predictions for the test set and documented model limitations with practical improvement directions.</li> </ul> <h2 id="tech-stack">Tech Stack </h2><ul> <li>Python</li> <li>Scikit-learn</li> <li>XGBoost</li> <li>Feature Engineering</li> <li>Binary Classification</li> </ul>