Your question is Credit Scoring Metrics Impact. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
Explain the difference between various credit scoring metrics and how they impact decisioning.
Discuss discrimination metrics such as AUC, Gini, and KS; calibration metrics such as predicted versus observed default rates; stability metrics such as PSI; and operational metrics such as approval rate, bad rate, and expected loss. Explain how these metrics should be evaluated together when setting or changing Prosper Marketplace credit decision thresholds. No numeric dataset is provided, so use symbolic calculations and clearly state the assumptions behind each metric.