AI-poweredCredit Risk Scoring
& Lending Solutions

Improve your lending margins with explainable AI solutions
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Maximize your loan portfolio's profitability with data-driven outcomes

Optimize your lending decisions and increase revenue with alternative credit risk scoring and loan limit recommendations.
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Maximize loan approvals

Broaden your applicant pool and make more inclusive lending decisions using non-traditional data analyses and predictions.

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Reduce loan default risk

Leverage default elasticity analysis and a fuller view of loan applicants to reduce risk in your lending decisions.

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Increase lending margins

Use product-specific credit risk scoring and limit recommendations, tailored to your business to maximize profitability.

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Elevate your lending decisions with tailored recommendations

Power your lending strategies with bespoke, product-specific loan performance predictions and recommendations generated by our explainable AI models.

Enhanced credit risk modeling

Identify hidden risks and opportunities not detected by traditional scoring methods.

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Loan limit recommendations

Revise loan limits based on our enhanced credit risk scoring and drive net operating income contribution.

Integrated insights

Enhance decision-making by integrating our insights into existing origination and scorecard solutions.

Predictive analytics

Forecast behavior optimized to commercial targets, enabling proactive risk management.

CASE STUDY

Powering speed and efficiency in lending

See how our risk models and loan management technology have been used to originate more than 4 million loans through consumer lender, Beforepay.
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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.