A Bank Wants to Launch a Low-Rate Credit Promotion

A bank wants to launch a low-rate credit promotion. The bank is located in a town that recently experienced economic hardship. Only some of the bank's customers were affected by the crisis, so the bank's credit team must identify which customers to target with the promotion. However, the credit team wants to make sure that loyal customers' full credit history is considered when the decision is made. The bank's data science team developed a model that classifies account transactions and understands credit eligibility. The data science team used the XGBoost algorithm to train the model. The team used 7 years of bank transaction historical data for training and hyperparameter tuning over the course of several days. The accuracy of the model is sufficient, but the credit team is struggling to explain accurately why the model denies credit to some customers. The credit team has almost no skill in data science. What should the data science team do to address this issue in the MOST operationally efficient manner?

A) Use Amazon SageMaker Studio to rebuild the model. Create a notebook that uses the XGBoost training container to perform model training. Deploy the model at an endpoint. Enable Amazon SageMaker Model Monitor to store inferences. Use the inferences to create Shapley values that help explain model behavior. Create a chart that shows features and SHapley Additive exPlanations (SHAP) values to explain to the credit team how the features affect the model outcomes.
B) Use Amazon SageMaker Studio to rebuild the model. Create a notebook that uses the XGBoost training container to perform model training. Activate Amazon SageMaker Debugger, and configure it to calculate and collect Shapley values. Create a chart that shows features and SHapley Additive exPlanations (SHAP) values to explain to the credit team how the features affect the model outcomes.
C) Create an Amazon SageMaker notebook instance. Use the notebook instance and the XGBoost library to locally retrain the model. Use the plot_importance() method in the Python XGBoost interface to create a feature importance chart. Use that chart to explain to the credit team how the features affect the model outcomes. Create an Amazon SageMaker notebook instance. Use the notebook instance and the XGBoost library to locally retrain the model. Use the plot_importance() method in the Python XGBoost interface to create a feature importance chart. Use that chart to explain to the credit team how the features affect the model outcomes.
D) Use Amazon SageMaker Studio to rebuild the model. Create a notebook that uses the XGBoost training container to perform model training. Deploy the model at an endpoint. Use Amazon SageMaker Processing to post-analyze the model and create a feature importance explainability chart automatically for the credit team.