International Journal on Science and Technology

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Fairness-Constrained Collections Policies: A Theoretical Model with Off-Policy Evaluation

Author(s) Surbhi gupta
Country United States
Abstract This paper proposes a theoretical model for fairness-constrained collections policies using off-policy evaluation. Using simulated credit bureau-style data (including credit scores, delinquency, repayment behavior, and demographic attributes), we compare a baseline credit score–driven policy against a fairness-constrained policy that ensures equitable approval rates across groups. The results highlight the trade-off between repayment efficiency and demographic parity, providing insights into practical implementation of fairness in credit risk management for large-scale financial institutions.
Keywords Credit Risk Risk assessment Score
Field Computer > Data / Information
Published In Volume 16, Issue 3, July-September 2025
Published On 2025-08-25
DOI https://doi.org/10.71097/IJSAT.v16.i3.7902
Short DOI https://doi.org/g9z5nz
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