[xversilov]

What's your educational background? I have been following the field closely for the past five years, and I am starting to feel like staying in application development is a dead end unless I start learning AI and Machine Learning concepts at a deeper level.

[jsemrau]

If you have an affinity for math specifically Linear Algebra and Applied Statistics most of the concepts are quite straightforward to understand. When building credit scorecards, the main point during a project is to find out which characteristics rank.