Rajini Carpenter

Carrington Labs is a leader in explainable AI-powered credit risk scoring and lending solutions that increase approvals, reduce risk and maximize lending margins. Our plug-and-play credit risk scoring platform goes beyond traditional credit scores. We integrate traditional data with open banking transaction data to provide a fuller picture of a loan applicant’s creditworthiness. This goes through our fully-explainable credit risk models to generate key predictors of credit risk and product-specific loan limit recommendations optimized to lenders’ commercial objectives. Through Carrington Labs, lenders, fintechs and financial institutions are equipped advanced credit risk insights to make more accurate, transparent and holistic lending decisions that drive growth while minimizing risk. Carrington Labs is a registered business of Beforepay Group Limited. Carrington Labs is the artificial-intelligence and enterprise-software division of Beforepay Group (ABN 63 633 925 505).