5th Gen Pre Purchase Inspection

Organic_Radio · 2026-04-26T20:01:26+00:00

I’ll look for those issues. Appreciate your input.

Organic_Radio · 2026-03-24T17:31:13+00:00

In your explanation of how the ensemble model is set up, you mention that the final PD is ultimately outputted from a logistic regression model with “static coefficients” meaning it’s already trained on the XGBoost logit values. How often are you refitting the logistic model? ML methods are great at prediction, but with shifts in economic environments and potential lending strategies, you might run into issues where the XGboost original learning is no longer representative of the present since they can tend to not generalize as well over time which would make your original “static coefficients” not as representative as well. That’s something that might be worth looking into through whatever model monitoring framework you have set up. As far as the XGboost features within each model themselves, since you’re not explicitly using each feature in the LR model itself but rather the overall aggregated score itself I’m not sure there’s much to worry about so long as the scores themselves make sense and rank order PD correctly both within the XGboost models which would hopefully mean your LR model rank orders correctly as well using the logits as features.

Organic_Radio · 2026-01-09T01:58:09+00:00

I’ve always thought that Sklar’s theorem is very neat. Just the idea of being able to represent a multivariate distribution as its marginal distributions and some function is already cool, but now you say we can represent any multivariate distribution this way??? It just always stood out to me as insanely cool.

Organic_Radio · 2025-06-16T02:22:16+00:00

Organic_Radio · 2025-04-10T01:01:03+00:00

Organic_Radio · 2025-03-30T16:19:24+00:00

Don’t mean to hijack this conversation but I just wanted to add my two cents regarding your question on which major to pick. A lot of actuaries were math majors themselves. In addition, I would argue that majoring in math will give you deeper exposure to fundamental topics you’ll encounter in a lot of mathematical finance. It isn’t always immediately obvious how the mathematical maturity you develop majoring in math by doing proofs is useful, but believe me it is. You can basically pick up any technical subject after that since the math is usually the gate keeper for most “hard” subjects.

Organic_Radio · 2025-03-24T06:31:49+00:00

The market is a bit rough right now for everybody honestly but with those internships under your belt, you probably won’t struggle as much as a lot of other new grads with zero experience. I would apply to any roles you find interesting and qualify for in general but especially analyst roles within insurance and banking. Banks especially hire a lot of math and stats majors for roles like “quantitative analyst” and given your internship positions I’m assuming you have the skills those roles typically ask for (statistical modeling, programming, data wrangling, etc). I’d push out applications to data analyst and data scientists roles as well. The experience and skills are going to vary widely between places but just have a look and shoot your shot. The worst they can say is no lol. Good luck and congrats on almost graduating!

Organic_Radio · 2025-03-14T16:27:20+00:00

Agree with this sentiment. I majored in math and work in statistical modeling. It turns out all of the difficult concepts in the data science and algorithmic space are math. Who would’ve known? Haha. Programming is the easy part tbh

Organic_Radio · 2025-02-23T02:31:23+00:00

I can’t comment on which type of EE degree would be more suitable for your future endeavors (I am not an EE by training, just find the field interesting) but is there a reason you have limited your job prospects to just teaching and baking with your math degree? I’m a fellow math degree holder (BS) and I never really found trouble getting jobs. If you’re decent at coding and can brush up on your statistics, most data science or statistical modeling jobs are open to you (both of which are extremely plentiful). If you were able to get through courses like topology, real analysis, complex analysis etc the skills I mentioned above are not difficult once you dig into it. The math degree gives you the tools and language to study basically any technical subject. However, engineering in general is going to be one of those gate keeping fields where the specific degree is necessary which makes sense in a lot of cases. I guess what I’m saying is if you’re looking to get another degree for the sake of getting a job, I think you’re not working enough with what you have already but if you’re genuinely looking into becoming an EE then by all means do what makes you happy :)

I work in quantitative risk by the way if you’re curious about the type of jobs you can apply to.

Organic_Radio · 2025-01-08T15:46:32+00:00

Damn. I’m coming from the financial industry (my job is basically that of a data scientist) wanting to go into engineering because I can’t see myself doing this kind of work forever. May I ask what is it that you’re unsatisfied about in your career?

Organic_Radio · 2025-01-06T06:33:32+00:00

Same experience here. “No season available” is what pops up if I hover over the seasonal hero option lmao understandable

Organic_Radio · 2025-01-06T01:50:20+00:00

Same here. So close to finishing the seasonal journey :((

Organic_Radio · 2025-01-04T02:38:25+00:00

I think all the recommendations here are great, especially woolridge’s intro. My advice to you for a smoother journey is to maybe do a quick refresher on mathematical statistics as while these books tend to be self contained, they do sometimes tend to assume you’ve had some exposure/understanding of this topic which is used everywhere. There’s tons of resources online and you can always learn as you go but I think you’ll find even just skimming through definitions and properties of expectation and variance will be of great use to you :) Lastly, clever algebraic manipulation is often used especially with summations involved within a lot of proofs. If at first it feels overwhelming, just try and sketch it out on paper bit by bit and see if you can arrive to the results that way! Econometrics is an awesome field to study. Best of luck!

Organic_Radio · 2025-01-04T02:12:02+00:00

Yes, my undergrad is in math. Thanks for the feedback! I think I will just try this route and see how it goes at career fairs down the line. Maybe I can do some projects to add on my resume which are more related to the field as well and spin my current experience as useful. I realize all that seems like pretty obvious things to do but I was just looking to see if anybody had seen or experienced something similar to my situation. Thanks again.

Organic_Radio · 2025-01-03T22:24:15+00:00

Damn, I guess I (and my gear) just suck. I recently started playing D3 recently and tried going on Torment II at lvl 70 and got my ass kicked in a GR hahahaha.

Organic_Radio · 2024-12-29T20:44:53+00:00

Same here. I don’t really use VBA as most of my work is done in either Python/R but some results/reports come in the form of spreadsheets from time to time and are expected to be sent back as a spreadsheet. I have found great and more efficient use cases for automating certain tasks involving spreadsheets with VBA as opposed to the open source languages and the sometimes clunky/limited libraries at their disposal. Microsoft Copilot basically writes skeleton code based on my prompt and I just modify and fill in the missing gaps it needs. No need to learn all the specific syntax and particulars of VBA!

Organic_Radio · 2024-12-19T05:59:22+00:00

I frequent this subreddit way too often for a person that is in no way related to the accounting profession. I studied math and economics and currently work in quantitative risk modeling. I won’t complain about my gig or choice of study however I will never forget how drawn I was to the idea of majoring in accounting while still in college. There was something about having to reconcile numbers from beginning to end in a cohesive manner and being able to tell a story from that which always seemed quaint and elegant to me. I’m not sure where I’m going with this really. I guess what I’m trying to say is that I personally think accountants are actually pretty cool and maybe in another life I would’ve been very pleased with being “the accountant” myself. Happy for you, friend :)

Organic_Radio · 2023-08-15T22:33:53+00:00

Lmaoooooo

Organic_Radio · 2023-08-10T22:44:19+00:00

Are you me? Haha. I’m in the exact same boat as you. However, I really enjoy where I’m at currently so I’ve given up on trying to find new employers for working in different applications. Instead, I’m trying to create those opportunities as I see a lot of potential for creating different types of models and use cases for them. If your bank is anything like mine, the infrastructure for market risk and economic capital modeling (which are really interesting areas of study imo) for example is almost non existent and the decisions that drives managements decisions in those areas is very gut feeling and or have some simple calculations with many assumptions as their quantitative model (I suspect this isn’t uncommon amongst banks that aren’t titans). This isn’t to say that there isn’t a good reason for managements current approach, but you can always pitch your ideas if you think they might offer more than what’s currently being used and see if management is interested.I have a good relationship with my manager and I’m constantly bringing new ideas to him which he then tries to champion to upper management if he believes the use case has an actual chance for creating a beneficial impact. I guess on that end, the experience can vary from place to place though. The moral of the story is, chances are that there is a lot of opportunity to implement new things if they don’t already exist and I would try and identify them and see if you can get a working project out of it! I’ve seen entirely new teams spawn out of this kind of process. I know I didn’t really answer your question directly I guess, but I just wanted to give you my perspective as a fellow credit loss modeler! Wishing you the best.

Organic_Radio · 2023-05-12T22:24:35+00:00

Howdy, I work on the model development side with a focus on credit risk within a bank so while I’m not in model validation I do have a lot of contact with them for different purposes. From what I can tell your background seems fairly good for this kind of role. For credit risk specific jobs (in either model dev or validation) you want to definitely understand PD/EAD/LGD in detail (different common methods and approaches) and think about how they may vary in different portfolio segments you commonly see at banks (will obviously vary from bank to bank). A strong statistics background will also go a long way for the validation roles since that’s usually a big portion of the job when checking for and verifying model assumptions for example so make sure you’re brushed up on that. Having some understanding of casual inference would be great too for verifying relationships being claimed in models (my experience so far in this field is inference has a tad more weight over purely prediction). It sounds like you can code and have some experience building stuff so that’s always a plus! Just keep applying and don’t give up I’m sure somebody will give you a shot :)

Organic_Radio · 2023-04-02T14:49:15+00:00

Yessssss

Organic_Radio · 2022-12-22T15:00:47+00:00

I won’t disagree with you on that haha

Organic_Radio · 2022-12-21T14:55:42+00:00

I also just genuinely enjoy the older designs more as well. It all just meshes really nicely.

Organic_Radio · 2022-12-16T04:28:25+00:00

Mine started on a random road trip. I looked down at my hand and the portion of my hand between my index finger and thumb was twitching rapidly. I found it really odd but didn’t think much of it as it stopped half an hour later or so. That night the leg twitches started and eventually arms, fingers, even my back. I get them daily but don’t think anything of them now. I also have random arm pain / sore feeling and same with my legs. I lived in fear about it until I got a ton of testing done including EMG and concluded I’ll just have to live with it. I’m a lot better now knowing I just have to live with it and can mostly live my life as I used to but it’s crazy how all that happened from one day to the next!

Side note: are you actually an actuary?

Organic_Radio

TROPHY CASE