Context construction strategies such as balanced sampling improve AUC-ROC by 3-4 points over uniform sampling in tabular foundation models for credit risk, exceeding differences between model families and matching classical baselines.
SMOTE: Synthetic minority over-sampling technique.Journal of Artificial Intelligence Research, 16:321–357, 2002
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Data Presentation Over Architecture: Resampling Strategies for Credit Risk Prediction with Tabular Foundation Models
Context construction strategies such as balanced sampling improve AUC-ROC by 3-4 points over uniform sampling in tabular foundation models for credit risk, exceeding differences between model families and matching classical baselines.