1500 past invoices, 36.3% paid late
AUC 0.753, precision 69.4%, recall 50.0% at 50%

Top 5 risky invoices:
invoice_no  amount  past_late_count  late_risk              action
 INV-61531  424019                5       0.66            Call now
 INV-15116  461905                4       0.61            Call now
 INV-87378  236952                5       0.58 Reminder before due
 INV-18548  109063                5       0.56 Reminder before due
 INV-43525  450050                5       0.55 Reminder before due

Actions: {'Reminder before due': 12, 'Normal': 11, 'Call now': 2}
Saved invoice_risk.xlsx and late_payment_model.joblib