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Interactive 3D/SHAP Values & Feature Attribution
SHAP Values
Loan default risk - feature attribution
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Feature Values
Age35 yrs
18SHAP: -0.03080
Income65 k$
20SHAP: +0.015200
Credit Score680
300SHAP: +0.064850
Loan Amount80 k$
5SHAP: +0.014500
Employment5 yrs
0SHAP: +0.00030
Debt Ratio30 %
0SHAP: +0.030100
Prediction
Base value0.450
Prediction0.543
Top featureCredit Score
SHAP = how much each feature moves the prediction away from the base value.

Red = pushes risk up. Blue = pushes risk down.

Hover a feature row to highlight it in the chart.

SHAP Values & Feature Attribution - Interactive Visualization

SHAP values are rooted in cooperative game theory: each feature's contribution is the average marginal effect of including that feature across all possible orderings of features. The waterfall plot shows exactly how each feature pushed a prediction above or below the population average. Unlike traditional feature importance, SHAP gives directional, per-prediction explanations.

  • Read a waterfall plot: starting from the base value, each bar shows a feature pushing the prediction up (red) or down (blue)
  • Understand why SHAP values satisfy three desirable properties: local accuracy, missingness, and consistency
  • Compare SHAP feature importance (mean absolute SHAP) vs permutation importance - they often disagree on borderline features
  • See how the same feature can have positive SHAP for one data point and negative for another
  • Learn TreeSHAP: the fast O(TLD) algorithm that makes SHAP practical for gradient boosting models

Part of the EngineersOfAI Interactive 3D - free interactive visualizations covering every major concept in machine learning and AI engineering. Hover any element for a plain-English explanation. No code required.