Configurable borrower financial attributes for your own decisioning.
A configurable set of income, expense, liquidity and obligation metrics derived from transaction and lender-provided data, defined to your rules and delivered into your scorecard, policy and review processes.
For illustrative purposes only
Financial Health Summary returns a configurable set of borrower attributes, either our standard library or metrics you define yourself, calculated the same way on every applicant and delivered into your scorecard, your policy rules or manual review. It produces the insights and metrics your scorecards and rules run on, giving your team a more quantitative and qualitative view of each borrower's financial snapshot.
A ready set of income, expense, liquidity, obligation and volatility attributes, already defined and calculated consistently. Useful when you want a fast, comparable view across every applicant.
Bring your own definitions, including ratios specific to your policy, and we build and calculate them for you. If your credit team already reasons in a particular metric, that metric is what you get back.
Both apply to consumer and business lending, wherever transaction data is available for the borrower.
You specify the attributes and how they should be calculated. We produce them consistently, at scale.
Transaction data plus any lender data and definitions you add
Bank transactions
Bureau data (where applicable)
Lender-provided data
Your metric definitions
Financial Health Summary
Custom calculations and features
Income metrics
Expense and liquidity metrics
Flags
A configurable attribute set per borrower, feeding the processes you already run.
For illustrative purposes only
Want to define your own attributes, or start from the standard library, for your own portfolio?
Attributes feed the processes you already run for scoring and review.
Decision engine
Scorecard
Origination platform
LMS
CRM
Portfolio analytics
Attributes are delivered by API or batch into your scorecard, policy rules and review queues. Carrington Labs supplies the inputs; every rule, weighting and decision stays yours.
It surfaces metrics and data points for your process to use. It is not a score, a rule set or a decision.
Metrics are specified to your scorecard and policy definitions rather than a fixed vendor schema.
The same definitions applied the same way to every applicant, which is what makes an attribute usable in a scorecard.
Analysts and credit officers read prepared metrics instead of interpreting raw statements case by case.
Attributes are specified, built and delivered as a managed service, and extended as your policy evolves.
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We work from your scorecard and policy requirements to define each metric precisely.
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Transaction, bureau and lender-provided data is mapped and prepared, de-identified.
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Each attribute is implemented and tested against your definition.
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Attributes are returned by API or batch into your scorecard, rules and review workflow.
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Definitions are extended or revised as your policy evolves.
Attributes are validated by reconciliation: we calculate them on a sample your team has already assessed manually and compare, definition by definition, until the outputs match how your credit team reads a file. Coverage (the share of applicants for whom each attribute can be produced) is reported alongside.
Reconciled against your team's manual assessment; figures shown are illustrative.
Explainability, lender control and data handling built into every deployment.
Every attribute has a documented definition and calculation, so your team can explain any value it uses.
Carrington Labs produces attributes. Rules, weightings, cutoffs and decisions remain entirely yours.
Attributes are calculated from de-identified transaction and lender-provided data. Nothing leaves your environment beyond what your contract specifies, and no personally identifying fields are ever needed to produce a value.
Every attribute ships with a written definition and calculation method, so your risk and compliance teams can trace any number back to its source data on demand.
Attribute values reach your scorecard, policy engine or review queue however you already receive data today, whether that is a live API call or a scheduled batch export.
We reconcile the attributes against files your team has already assessed, so you can compare against your current process before anything changes in production.
Leave your details below and our team will schedule a call to discuss your business and how Carrington Labs can help.
