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ai_agents

The Score Drift Agent

The Score Drift Agent

Background In the past year, Branch has continued to experiment with ways that generative AI can be used in the practice of making loans. We call this Generative Credit.

attention

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...

credit_scoring

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...

The Score Drift Agent

The Score Drift Agent

Background In the past year, Branch has continued to experiment with ways that generative AI can be used in the practice of making loans. We call this Generative Credit.

distributed_systems

From 72 Hours to 8: Rebuilding our Feature Fetch System

From 72 Hours to 8: Rebuilding our Feature Fetch System

How we engineered a parallel execution system to fetch features for training, achieving an 8× speedup through distributed actor-based design.

feature_engineering

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...

feature_pipelines

From 72 Hours to 8: Rebuilding our Feature Fetch System

From 72 Hours to 8: Rebuilding our Feature Fetch System

How we engineered a parallel execution system to fetch features for training, achieving an 8× speedup through distributed actor-based design.

ray

From 72 Hours to 8: Rebuilding our Feature Fetch System

From 72 Hours to 8: Rebuilding our Feature Fetch System

How we engineered a parallel execution system to fetch features for training, achieving an 8× speedup through distributed actor-based design.

sequence_modeling

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...

user_embeddings

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...

xgboost

From Rules to Representation: Turning Event Sequences into User Vectors

From Rules to Representation: Turning Event Sequences into User Vectors

Can a compact learned vector replace a wide surface of hand-engineered event-stream features without losing signal? We trained a small neural encoder on user financial event seq...