Abstract
Dense embedding rankers score documents through contextual sentence- and passage-level representations. Yet many listwise explanation methods still attribute rankings to isolated words. This feature-unit mismatch leaves word-level features too fragmented for dense semantic ranking. We introduce ChunkGroupSHAP, a listwise Shapley method that clusters semantically related chunks into shared cross-document features. Masking a group perturbs all documents with related evidence, attributing rankings at a granularity closer to dense representations while preserving the listwise setup. Our findings across MS MARCO, FinanceBench, AILACaseDocs, and FinQA with E5 rankers and BM25 show that the best explanation unit is setting-dependent: word features for lexical BM25, corpus-level groups for dense rankers, and query-local grouping for heterogeneous web retrieval. Feature units should thus follow both the ranker's representational granularity and the structure of the retrieved corpus.
카카오뱅크 금융기술연구소
Financial Tech Lab