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 defaults
Improved customer satisfaction
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INTEGRATION

A simple API integration enables real-time results

Integrate effortlessly with your existing platforms using our API solution—designed for minimal effort, rapid deployment, and faster time to market.

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