Carrington Labs

At Carrington Labs, we believe modern credit risk deserves better analytics. Today's borrowers are diverse, their cashflows dynamic and the risks more nuanced than most legacy capture. That's why we've built a suite of solutions designed to help banks expand safe approvals, optimize portfolios and strengthen long-term resiliency - all grounded in real time transaction data. We provide solutions for both pre and post origination, staying with you and your borrower for the lifetime of their lending cycle with you.

Cashflow Score: Provides a smarter, bureau-style signal rooted in transaction activity. It enables faster, more confident decisioning and reveals repayment capacity traditional scores miss.

Credit Risk Model: We fully tailor our credit risk model to your portfolio, tuning risk scores to your products and customer segments so you can lift approvals while holding the line on defaults

Credit Offer Model: This bridges the gap between 'who to lend to' and 'how to lend' - aligning terms with both borrower affordability and your financial objectives, driving higher limits, better margins and improved borrower satisfaction

Financial Health Summary: Ongoing portfolio-wide visibility and monitoring which tracks actionable financial health metrics, simplifies credit reviews and keeps a pulse on durability over time.

Cashflow Servicing: Post-origination credit risk monitoring with clear next-best actions to prevent delinquency and grow healthy accounts.

These solutions modernize your credit decisioning process - turning static data into actionable intelligence that fuels growth, reduces losses and strengthens regulatory confidence. Our solutions are plug and play, giving you the flexibility to turbo charge your underwriting without overhauling your core.
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Contact:
Suzanne Thorneycroft, VP, Lending Solutions
50 Carrington Street
Sydney, NSW 2000
303-564-7949

Commercial & Industrial Loans,Consumer Lending

Carrington Labs

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