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CS Professional · Artificial Intelligence, Data Analytics and Cyber Security - Laws and Practice · Artificial Intelligence - Introduction and Basics

An NBFC in Pune trains a model on past loan records labelled 'defaulted' or 'repaid' and then uses it to predict whether a new applicant will default. This is best described as:

This is supervised machine learning used for classification. The model learns from historical loan records that carry labels, defaulted or repaid, and then assigns new applicants to one of those classes. Unsupervised clustering needs unlabelled data, and reinforcement learning depends on reward feedback, which are absent here.

  1. AUnsupervised clustering of unlabelled data
  2. BSupervised machine learning for classificationCorrect
  3. CReinforcement learning with reward signals
  4. DGenerative image synthesis

Explanation

Training on labelled historical outcomes to predict a category for new cases is supervised learning, specifically classification. Clustering uses unlabelled data, and reinforcement learning relies on rewards from interaction with an environment. Here the labels defaulted and repaid are given.

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