Built for banks, non-bank lenders and lending teams.
Explore the effect of fewer manual reviews or shorter assessments. Use your application volumes, review times and staff costs to estimate the hours and capacity your team could free up. Instant scenario estimate. No contact details required.
Start with the work your team does today, then explore fewer reviews or less time per assessment. See the potential hours freed and what that capacity could be worth.
A detailed assessment helps identify the tasks, information gaps and workflow steps behind the estimate, and where Carrington Labs outputs could support a more efficient process.
What happens next
Share your scenario and a little more about your workflow. Our team will review the request and discuss the next step.
Freeing up assessment time may help your team handle more applications, focus on exceptions or reduce the need for additional hiring.
Application volumes, manual-review rates and assessment times establish the baseline hours.
Model fewer manual assessments or shorter reviews. Each scenario shows a different way to free capacity.
Separate the value of staff time from the share expected to become an actual reduction in expenditure.
The calculator estimates manual-assessment hours from application volume, the percentage manually reviewed and average review time.
It then applies your assumed reduction in review volume or time. Hours freed are multiplied by fully loaded hourly staff cost to estimate capacity value.
Only the proportion you expect to realise as cash savings is treated as a financial saving. Model enquiry costs are shown separately where included.
Carrington Labs provides risk signals and interpretable financial insights for use within existing lending workflows.
Provide relevant borrower metrics and insights aligned with the calculations your scorecards and policies require.
Use risk evidence and explanatory drivers to inform referral and assessment workflows.
Deliver outputs through API or batch while your team retains control over policy and decisions.
Explore cash flow underwriting.
Learn about borderline applicant underwriting.
Identify where the opportunity may sit and how to measure it. We review the agreed workflow information and relevant data, then outline the initial findings and a suitable validation approach.
1
Choose the assessment task, population and outcome to examine.
2
Confirm review volumes, timing, staff involvement and relevant systems.
3
Identify where CL outputs could support the workflow and what needs testing.
4
Define how a trial would compare review times, volumes and quality.
The 48-hour turnaround starts once Carrington Labs confirms the agreed scope and that the required information is complete and ready for assessment. Initial findings do not establish realised time savings; those may require a workflow trial.
A scoped workflow PoC can assess whether the proposed changes reduce assessment effort while meeting the agreed quality requirements. Deliverables and timing are agreed during scoping. Initial assessment findings and measured trial results are separate milestones.
Explore the time-saving scenario, then work with Carrington Labs to assess where the opportunity sits.
