@article{calibratedcreditintelligenceshiftrobusta,
  title = {Calibrated Credit Intelligence: Shift-Robust and Fair Risk Scoring with Bayesian Uncertainty and Gradient Boosting},
  author = {Srikumar Nayak},
  year = {2026},
  eprint = {2603.06733},
  archivePrefix = {arXiv},
  url = {https://arxiv.org/abs/2603.06733},
}