Carrington Labs and TaranDM partner to bring cashflow underwriting into automated decisioning
Carrington Labs, a leading provider of credit risk analytics and cash flow underwriting models, has partnered with TaranDM, a versatile decision engine that empowers risk teams to make smarter, faster, and more transparent lending decisions.
The partnership makes Carrington Labs’ models available directly within the TaranDM platform, allowing lenders to analyze cash flow patterns, identify creditworthy thin-file borrowers, and detect early warning signs of default — all within their existing workflows and without major system changes.
“Lenders want to improve how they assess credit risk but need platforms that can deploy models quickly and efficiently,” said Jamie Twiss, CEO of Carrington Labs. “Partnering with TaranDM makes it easier for lenders to access and implement our credit risk models, giving them a more detailed view of borrower credit risk in days instead of months, without adding operational complexity.”
With Carrington Labs and TaranDM, lenders can:
- Get clearer risk assessments – analyze real cash flow patterns, size loans appropriately, and flag early signs of repayment stress
- Deploy models faster – test and roll out Carrington Labs’ advanced credit risk analytics and cashflow underwriting models quickly, with the option to simulate changes before implementation
- Adjust strategies flexibly – draw from a wide range of data sources and adapt decisioning strategies as market conditions or business needs change.
“Carrington Labs’ sophisticated models allow lenders to enhance the way they think about risk, which complements our decision management capabilities,” said Martin Chudoba, CEO and Co-Founder of TaranDM. “Together, we’re helping lenders process more applications with greater accuracy while reducing implementation complexity.”
Carrington Labs recently made quantifying credit risk even more accessible with its Cashflow Score, which uses detailed transaction data to provide a quick, inclusive measure of credit risk that gives a more comprehensive view of an applicant’s creditworthiness and their ability to repay.
