SOLUTIONS

Loan ProductRecommendation Engine

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Make more informed lending decisions

Carrington Labs' Loan Product Recommendation Engine analyzes your loan performance to generate more precise, product-specific credit risk scores and loan limit recommendations.

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

Outputs include:

  • Alternative-data credit-risk scoring
  • Credit/loan limit recommendations
  • Loan payment scheduling/rescheduling recommendations
  • Financial health summary.
PLATFORM

How Carrington Labs works

We work with you to build a robust framework that will inform your lending strategies, incorporating your data and and supporting different product constructs.

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

Alternative risk score
Optimal limit-setting
Actionable insights

Business outcomes

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

Seamlessly integrate into existing systems

Integrate effortlessly with existing platforms using our API solution, ensuring minimal effort, rapid deployment, and swift time to market.

Our approach is fast, data-driven and entirely powered by explainable AI.

1. Smart data labelling

2. Enhanced feature generation

3. Model training

4. Limit testing

Launch into the future of lending

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Carrington Labs is a registered business of Beforepay Group Limited, Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000. Copyright © 2024 Beforepay Group Ltd, ABN: 63 633 925 505. Terms and conditions apply. New customers are subject to eligibility criteria.

This service is not currently offered in  China, Russia or Taiwan. If you are interested in our solution, please contact us at hello@carringtonlabs.com

Beforepay Group Limited and its Beforepay goods and services are in no way sponsored, approved or affiliated with Quadpay Inc., Openpay Pty Ltd, Afterpay Pty Ltd, ZipMoney Payments Pty Ltd and their associated entities/affiliated companies.