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Cashflow Score
Credit Risk Model
Credit Offer Model
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Increase Approvals
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use cases
Optimize pricing and limits in prime portfolios
Set smarter loan/line sizes and pricing with behavior-driven insights tailored to your credit risk strategy.
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The Problem
Even highly creditworthy borrowers are often over- or under-lent due to blunt risk tools.
This can suppress margins, increase unused lines, or leave growth opportunities untapped.
How Carrington Labs can help
Smarter loan limit setting
Model how default risk changes across loan sizes to recommend value-maximizing limits.
Risk-adjusted pricing
Use predictive analytics to optimize loan and line terms for profitability.
Fewer missed opportunities
Confidently lend more to prime borrowers without increasing exposure.
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How this fits in your workflow
Upsell/cross-sell
Expand limits for borrowers with strong performance indicators.
Line management
Refine credit lines and pricing based on behavioral insights.
Portfolio monitoring
Track changes in performance by limit band.
Who is this for
Carrington Labs' models are ideal for lenders focused on maximizing lending performance and unit economics in prime portfolios.
Banks optimizing high-value loan portfolios
Digital lenders refining credit lines and pricing models
Consumer finance providers seeking better risk-adjusted returns
Credit card and line-of-credit issuers
Lending-as-a-service and embedded finance platforms
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Explore solutions
Credit Offer
Model
Credit Risk
Model
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