The heuristic based approach isn’t wholly uninformed by data (as that document notes, some occupations were adjusted down due to higher-than-naively-predicted losses over the years) and has the benefit of being easy to calculate and explain internally. Fairness a tricky subject.
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More abstractly, neutral networks often substitute for decision trees. One of the primary advantages of a decision tree is that you can usually retrace the path took to a given decision.
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The price of interpretability is often performance. Single-tree classifiers are generally a lot less powerful. Ensembles are almost as hard to interpret as neural networks.
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