2026 KDISS Data Analysis Competition.

v9 Report (2026-04-22)

📊 Performance

• Total Score: 0.42987
• Churn AUC: 0.7937
• LTV RMSE: 1.38M

🛠 Updates

• Features: tx_density, amt_cv, loan_asset_ratio
• Tuning: LR 0.002, Leaves 127, Extra Trees
• Stability: Gap < 0.05 (Overfit Control, Stable except Fold 2)

📈 Importance

• Churn: Assets, Loans, Credit
• LTV: Region, Category, amt_cv, tx_density

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Update : v8 (2026-04-11)

📊 v8 Summary (Current)

• Churn AUC : 0.7926 (Gap 0.05) 🟢
• LTV RMSE : 1.35M (Stagnant) 🔴
• Total Score : 0.4309
• Key Discovery: card_loan was a "mirage" signal; Age is the real driver for Churn=0.

🔍 Key Issues

• Stage-B Failure: No predictive signal in VIP subset (Best Iter 0).
• Target Noise: Churn=1 (LTV 70k) ruins Churn=0 (LTV 1.3M) regression.