resampling

Imbalance shows up in fraud, churn, and abuse, and the naive answer (oversample, done) leaks data and inflates offline metrics. The signal is preferring cost-sensitive learning, fixing the metric, and resampling correctly. Here is the full toolkit with tradeoffs.

Resampling, reweighting, and focal loss attack class imbalance from different angles, and each has a real downside. The signal is matching the method to the model and metric, not blindly oversampling. Here is the breakdown.