A constrained-prompt LLM credit-risk explainer inverted the sign of three of four supplied drivers in an audited case, while the stacking ensemble's AUC gain over random forest was real but operationally small.
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Accurate Ensembles, Fragile Narratives: Multi-Scale Stacking and a Fidelity Audit of LLM-Generated Explanations for Credit Risk
A constrained-prompt LLM credit-risk explainer inverted the sign of three of four supplied drivers in an audited case, while the stacking ensemble's AUC gain over random forest was real but operationally small.