When Does a Classifier Help an LLM? Classifier-Guided Prompting and Hybrid Classifier-LLM Models for Credit-Default Prediction

arXiv:2608.30086 · cs.CL, cs.LG · Submitted 2026-08-30 · Read on arXiv

cs.CL, cs.LG

Submitted: 2026-08-30

Updated: 2026-08-30

Terminology

• Random Forest — 29× in this paper
• AUC — 24× in this paper · explained in 2 episodes
• Accuracy — 6× in this paper · explained in 1 episode
• Pruning — 5× in this paper · explained in 4 episodes
• AUROC — 4× in this paper · explained in 2 episodes
• Diffusion Model — 3× in this paper · explained in 8 episodes
• Feature Selection — 3× in this paper · explained in 4 episodes
• Diffusion Models — 2× in this paper · explained in 6 episodes
• Large Language Models (LLMs) — 2× in this paper · explained in 6 episodes
• Ablation — 1× in this paper · explained in 1 episode
• Benchmarking — 1× in this paper · explained in 3 episodes
• Explainability — 1× in this paper · explained in 3 episodes
• Few-Shot Learning — 1× in this paper · explained in 4 episodes
• Hybrid Models — 1× in this paper · explained in 2 episodes
• In-Context Learning — 1× in this paper · explained in 4 episodes
• International Conference on Machine Learning — 1× in this paper
• Transfer Learning — 1× in this paper · explained in 10 episodes

Sources

• Empowering Many, Biasing a Few: Generalist Credit Scoring through Large Language Models
• FinGPT: Open-Source Financial Large Language Models
• Large Language Models(LLMs) on Tabular Data: Prediction, Generation, and Understanding -- A Survey
• Transfer Learning of Tabular Data by Finetuning Large Language Models
• Scalable In-Context Learning on Tabular Data via Retrieval-Augmented Large Language Models
• Gradient Boosting Trees and Large Language Models for Tabular Data Few-Shot Learning

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