We talk a lot about theoretical aspects of ML/IA, but this episode brings in Giorgio Baldassarri and Kieran Shand from S&P Global's Credit Modeling and DMS teams to talk about the practical aspects of Machine Learning (ML) implementations with host Eric Hanselman. They are tackling a complex problem in tracking credit risk and building ML models to identify higher-risk credit instruments. It’s a situation where the data can be incomplete and, in a regulated industry, model explainability is key.