Oscilar, a leading provider of AI Risk Decisioning™ platform, is pleased to announce a strategic partnership with Carrington Labs, a specialized credit risk analytics firm that helps lenders make more informed lending decisions. This collaboration brings together Oscilar's advanced AI-powered risk decisioning technology with Carrington Labs' innovative credit risk analytics to deliver comprehensive lending solutions for financial institutions, fintechs, and consumer lenders across the United States.
"Carrington Labs brings a strong capability in credit risk analytics and alternative data,” said Neha Narkhede, Co-Founder and CEO of Oscilar. “Together, we’re helping lenders build a more complete picture of creditworthiness, without adding complexity.”
Combining AI-Powered Risk Decisioning with Advanced Credit Risk Analytics
This partnership integrates Oscilar's AI Risk Decisioning™ Platform with Carrington Labs' extensive experience in credit risk modeling and alternative data analysis. By leveraging Carrington Labs' deep expertise in transaction-based credit risk assessment and Oscilar's advanced AI platform, the partnership delivers enhanced solutions that help lenders expand access to credit while maintaining strong risk controls.
Organizations can now benefit from Carrington Labs' proven credit risk models implemented through Oscilar's no-code AI platform, enabling more effective risk management across the entire customer lifecycle.
Key Features and Benefits of the Partnership
Enhanced Credit Risk Assessment: The integration combines Carrington Labs' transaction-based risk analytics with Oscilar's AI Risk Decisioning™ Platform, enabling lenders to make more accurate credit decisions based on a holistic view of borrower risk.
Expanded Lending Opportunities: Financial institutions can now identify and approve more qualified borrowers—including thin-file, no-file, and near-prime applicants—who might be overlooked by traditional credit scoring models.
Optimized Loan Pricing and Limits: Organizations gain access to sophisticated tools for determining optimal loan amounts and risk-based pricing, combining Carrington Labs' data-driven recommendations with Oscilar's real-time risk monitoring.
Streamlined Portfolio Management: The partnership delivers comprehensive tools for ongoing portfolio monitoring and management, creating clear pathways for lenders to identify early risk signals and take proactive action.
"We're excited to partner with Oscilar to bring our credit risk analytics and alternative data capabilities to their innovative AI Risk Decisioning Platform," said Jamie Twiss, CEO of Carrington Labs. "This partnership enables banks, fintechs, and consumer lenders to implement sophisticated lending strategies through Oscilar's advanced technology framework. Together, we're helping organizations expand access to credit while maintaining strong risk controls."
About Oscilar
Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning™ Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.
About Carrington Labs
Carrington Labs is a specialized credit risk analytics firm that helps lenders make more informed lending decisions. Based in Sydney, Australia, Carrington Labs provides plug-and-play credit risk analytics that integrate into existing systems—helping lenders expand approvals, optimize pricing, and manage risk across the entire borrower lifecycle. The company's solutions combine traditional credit data with open banking transaction data to deliver product-specific credit risk insights and loan limit recommendations. Developed by data scientists and engineers dedicated to advancing the world of lending, Carrington Labs' models have been trained on more than 1 billion data points and validated through over $1 billion in loans issued through their consumer lending business. Carrington Labs serves a diverse range of clients including lenders, fintechs, and financial institutions, helping them build a more complete picture of creditworthiness and make more informed, transparent, and inclusive lending decisions.
