Alireza Saleh Sedghpour

From Credit Scoring to Governed Decision Systems: Integrating Predictive Performance, Uncertainty, and Governance

The Calibrated, Adaptive, Knowledge-aware Ensemble for Credit Scoring (CAKE-CS), a structure-aware architecture integrating fold-local dependency representation, heterogeneous experts, sparse routing, cross-fitted stacking, probability calibration, and cross-conformal decisions within a fold-disciplined pipeline, is pr...