A teaching blog — built one module at a time
Notes on credit models, data science in finance, and the math behind both.
Interactive widgets, downloadable cheat sheets and templates, and the kind of explanations I wish I'd had the first time I learned this material.
Track 01
Credit Models
A full curriculum from FICO scoring to copula simulation. CFA-aligned where it matters.
- 01
Foundations of Credit Risk
The vocabulary, the master equation, and the regulatory backdrop you need before anything else makes sense.
- 02
Retail Credit Scoring
How FICO actually works, how banks build their own scorecards with WOE and Information Value, and the reject inference problem nobody warns you about.
- 03
Corporate Credit Analysis
The Five Cs, the ratios that actually predict default, the Altman Z-score in all three flavors, and why the accounting-based models eventually hit a ceiling.
Track 02
Data Science in Finance
Practical machine learning, statistics, and modeling for credit and risk problems.
- 01
EDA for Financial Data — The Gotchas
Six ways financial data trips up exploratory data analysis: fat tails, survivorship bias, look-ahead bias, regime changes, missingness that means something, and time-zone landmines.
- 02
Feature Engineering for Credit & Risk
Ratios, lags, rolling windows, trend features, and WOE encoding — how raw loan data becomes model food without leaking the future or blowing up in production.
- 03
Time Series for Finance: Stationarity, ARIMA, GARCH
The three ideas that keep financial time-series work honest: know whether your series mean-reverts, model levels and volatility as different problems, and never trust an R² on two trending series.
Track 03
Personal Finance
Budgets, sinking funds, retirement math, ETFs, and real estate — universal principles with Mexican numbers, plus calculators and templates.
- 01
A Budget That Actually Sticks
The recommended percentage ranges for every major expense category, why the 50/30/20 rule exists, and a spreadsheet system you'll still be using in December.
- 02
Planned Savings: One Account, Many Envelopes
Sinking funds — the system that turns annual bills, future cars, and insurance renewals from emergencies into line items.
- 03
Net Worth: Your Personal Balance Sheet
Assets minus liabilities — the one number that summarizes your financial life, why it beats income as a scoreboard, and how to track it monthly.