SOLUTIONS

Credit Risk Model

Tailored credit risk scoring, built around your products and lending strategy.
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Tailor models to your P&L goals
Get a model built for your products, customers, and risk tolerance—no one-size-fits-all logic.
Increase approval rates
Identify creditworthy applicants hidden by traditional models with a blend of bureau and transaction data.
Lend more while controlling risk
Tuned to your data, our models help you strike the right balance between growth and managing credit risk.
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Make smarter decisions with a fuller view of credit risk

With our Credit Risk Model, unlock a blend of bureau and transaction data to reveal behavioral differences traditional credit scores can't capture.
Traditional Solutions
Generic risk bands
Limited customization
Reliant on bureau data
Carrington Labs
Trained on your lending outcomes
Tuned to your product types
Incorporates transaction-level behavior
Supports responsible lending flags
Aligns with your approval/decline strategies
Fully explainable and auditable
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Unlock your potential uplift

30%
‍

more accurate in scoring high-risk customers

2.5x
‍

more accurate in scoring low-risk, high-value customers

14%
‍

higher margins with integrated limit-setting

The typical uplift our solutions can deliver based on a sample set of anonymized data.
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How it works

1. Smart data labelling
We classify and normalize transaction inputs.
2. Enhanced feature generation
We identify leading predictors of credit risk.
3. Model maintenance
We continuously retrain models on new data to stay accurate and adaptive.
4. Output delivery Combine with your own logic
We return a credit score and top risk drivers to use in your decisioning
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Compliance Ready

Meets strict compliance standards while delivering on speed, fairness, and transparency.

No PII required
Models use de-identified transaction data.
ECOA-compliant
Protected class information isn’t required or used in decisioning.
Explainable outputs
Model features can map directly to adverse action reasons.

See other solutions

Cashflow
Score
Credit Offer
Model

See how Carrington Labs

fits into your lending process.

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Solutions

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Carrington Labs is a registered business of Beforepay Group Limited, Suite 9.01, 77 Castlereagh Street, Sydney NSW 2000. Copyright © 2025 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.