Kiarash Shamsi

Kiarash Shamsi, Danijel Novokmet, Joshua Peters et al.

Credit risk assessment is essential in the financial sector, but has traditionally depended on costly feature-based models that often fail to utilize all available information in raw credit records. This paper introduces LendNova, the first practical automated end-to-end pipeline for credit risk assessment, designed to utilize all available information in raw credit records by leveraging advanced NLP techniques and language models. LendNova transforms risk modeling by operating directly on raw, jargon-heavy credit bureau text using a language model that learns task-relevant representations without manual feature engineering. By automatically capturing patterns and risk signals embedded in the text, it replaces manual preprocessing steps, reducing costs and improving scalability. Evaluation on real-world data further demonstrates its strong potential in accurate and efficient risk assessment. LendNova establishes a baseline for intelligent credit risk agents, demonstrating the feasibility of language models in this domain. It lays the groundwork for future research toward foundation systems that enable more accurate, adaptable, and automated financial decision-making.

Kiarash Shamsi, Tran Gia Bao Ngo, Razieh Shirzadkhani et al.

Temporal Graph Learning (TGL) has become a robust framework for discovering patterns in dynamic networks and predicting future interactions. While existing research has largely concentrated on learning from individual networks, this study explores the potential of learning from multiple temporal networks and its ability to transfer to unobserved networks. To achieve this, we introduce Temporal Multi-network Training MiNT, a novel pre-training approach that learns from multiple temporal networks. With a novel collection of 84 temporal transaction networks, we pre-train TGL models on up to 64 networks and assess their transferability to 20 unseen networks. Remarkably, MiNT achieves state-of-the-art results in zero-shot inference, surpassing models individually trained on each network. Our findings further demonstrate that increasing the number of pre-training networks significantly improves transfer performance. This work lays the groundwork for developing Temporal Graph Foundation Models, highlighting the significant potential of multi-network pre-training in TGL.