SOLUTIONS
Cashflow Score
Credit Risk Model
Credit Offer Model
Financial Health Summary
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use cases
Monitor portfolios and borrower health
Take proactive action to uncover new opportunities and act on early signals of stress across your portfolios.
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The Problem
Static credit scores don’t reflect how borrowers’ financial situations evolve.
Without early signals, lenders miss opportunities to intervene, adjust exposure, or prevent delinquency.
How Carrington Labs can help
Early stress detection
Spot declining income consistency or growing debt-to-income ratios before they lead to delinquency.
Proactive intervention
Take action earlier with dynamic alerts and borrower-level health insights.
Real-time strategy adjustment
Continuously optimize credit decisions based on live financial behavior patterns.
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How this fits in your workflow
Risk monitoring
Flag borrowers showing signs of instability or stress.
Proactive outreach
Trigger early communications, reviews, or loan modifications.
Strategy adjustment
Update risk thresholds based on evolving financial trends.
Who is this for
Carrington Labs supports forward-looking lenders who want to proactively manage risk.
Banks
Fintechs
Non-bank lenders
BNPL providers
Credit unions with risk oversight needs
Servicing platforms with risk monitoring
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Explore solutions
Financial Health
Summary
Credit Risk
Model
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