Day 34: Loan Rates by Neighborhood
At a fintech company in Mexico City, Mariano (A) and Samantha (B), two data analysts, discuss a plan to set loan rates according to the customer's neighborhood.
How to study this lesson 3 steps
- Read the situation under the title. It says who is talking and how they know each other, which decides how politely they speak.
- Read the dialogue line by line with its translation, until every line makes sense. Point at (or tap) a Spanish word to see what it means.
- Spend at least 30 minutes listening to native Spanish, for example from the Resources page. It doesn't matter if you don't understand it yet.
Dialogue
Audio recordings are on the way. For now, each lesson is the dialogue with its English translation.
Keys: E hide English · ← → previous / next day · point at a word to see its meaning
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A
驴Ya viste? Quieren fijar la tasa de los pr茅stamos seg煤n la colonia del cliente.
Have you seen? They want to set loan rates according to the customer's neighborhood.
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B
Es eficiente: el modelo fue validado por el 谩rea de riesgos y predice bien la morosidad.
It's efficient: the model was validated by the risk team and predicts late payment well.
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A
Precisi贸n no es justicia: castiga a la gente por d贸nde vive, no por c贸mo paga.
Accuracy isn't fairness: it punishes people for where they live, not for how they pay.
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B
Estamos a punto de lanzarlo; si ahorita le ponemos peros, el jefe nos manda a volar.
We're about to launch it; if we start raising objections now, the boss will send us packing.
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A
Anoche me puse a revisar los resultados. 驴Sabes c贸mo sale tu colonia?
Last night I started going through the results. Do you know how your neighborhood comes out?
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B
No me digas que sale de alto riesgo. 隆Si nunca me he atrasado con un pago!
Don't tell me it comes out as high risk. I've never been late with a payment!
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A
El modelo no te ve a ti: ve tu c贸digo postal. 驴Ahora s铆 lo planteamos?
The model doesn't see you: it sees your zip code. So now do we raise it?
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