Glossary entry
Champion–challenger testing
Champion–challenger testing runs a current ‘champion’ approach alongside one or more ‘challengers’ to compare performance before changing policy or models.
Category
Lending technology
Definition
Why it’s used
- Reduce risk when changing credit policy or scoring models
- Measure impacts on approval rate, loss rate proxies, and conversion
- Support governed rollout decisions with evidence
Implementation note
To be credible, the system should retain the inputs and outputs of both champion and challenger runs, without changing the customer outcome until you decide.
Related terms
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