SOLUTIONS

Overview

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Make more informed lending decisions

Carrington Labs provides simple, plug-and-play solutions to elevate performance at any stage of your lending process.

Our models are fully automated, equipping you with smarter credit risk insights to inform your lending strategies with ease and speed, driving growth and revenue while reducing defaults and improving portfolio economics.

Outputs include:

  • Cash flow and credit risk underwriting score
  • Limit and pricing recommendations
  • Financial health summary
  • Outcome optimizer
PLATFORM

How Carrington Labs works

We work with you to understand your business goals and design an approach that supports your specific use cases.

Data Ingestion

Pay cycle
Location
Subscriptions
Repayment history
Use of financial products
Shopping behavior

Analysis

Smart data labelling
Enhanced feature generation
Model evaluation
Limit-testing

Predictions

Cash flow and credit risk underwriting score
Limit and pricing recommendations
Financial health summary

Business outcomes

Increase revenue & margins
Enhanced scalability
Enhanced borrower visibility
Reduce defaults
Improved customer satisfaction
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INTEGRATION

A simple integration for real-time results

Our approach delivers data-driven credit risk insights with full transparency, ensuring you stay in control of every decision.

Carrington Labs provides two approaches:

Quick start - batch analytics, no live system integration.

Real-time - continuous analytics, embedded in your existing platforms using our API solution.

Getting started with Carrington Labs is designed for minimal effort, rapid deployment, and faster time to market.