Carrington Labs CEO Jamie Twiss and Deputy CEO Kasey Kaplan recently joined Tedd Huff on the latest podcast episode of Fintech Confidential to discuss one of the most important questions in lending today: how lenders can build a more accurate view of risk when traditional credit scores do not tell the full story.
The conversation was a timely one.
As more lenders look to improve approvals, manage risk more precisely, and make better decisions across the borrower lifecycle, the limitations of traditional credit models are becoming harder to ignore. Credit scores still play an important role in many workflows, but they can be incomplete, especially when lenders need a current, borrower-level view of financial behavior and capacity. That is where a cash flow underwriting lens becomes increasingly important.
In the episode, Jamie and Kasey shared Carrington Labs’ perspective on this shift: lenders need better ways to interpret financial behavior, not just more data. That includes using transaction-level insights to support stronger underwriting, clearer risk segmentation, and more informed decisions around approvals, pricing, limits, and ongoing risk management. The emphasis was not on replacing lender judgment, but on strengthening it with more relevant and explainable analytics.
That distinction matters.
At Carrington Labs, we view cash flow underwriting as a practical way to help lenders assess risk with greater precision while still working within governed, real-world lending environments. Our focus is on giving lenders modular capabilities that fit alongside existing systems and support decision-making with clearer, more decision-ready signals.
We appreciated the opportunity to join Fintech Confidential and contribute to a broader industry discussion about where lending is heading next, and what it will take to make credit risk assessment more accurate, explainable, and commercially useful.
Listen or watch the podcast episode at the links below
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