Case Study: Carbon achieves rapid, scalable, and accurate consumer lending—disbursing 3,000+ loans per day with DataRobot

Carbon Transforms Consumer Lending with DataRobot

Carbon is a Lagos-based fintech founded by Ngozi and Chijioke Dozie to serve Nigeria’s massive underbanked population, where over 40 million adults lack bank accounts and documented credit histories. Facing the challenge of lending to customers with little or no credit history, Carbon pursued a data-first strategy and adopted DataRobot’s AI/ML credit risk engine to power its mobile lending app and build robust, scalable credit models.

Using DataRobot’s prediction API and MLOps, Carbon runs four scorecards, applies fraud and AML guardrails, and returns credit ratings in about five minutes. The DataRobot-powered solution processes roughly 150,000 loan applications per month and enables Carbon to disburse more than 3,000 loans per day, cut model deployment time from months to hours, scale a small data team, and rapidly expand into markets like Kenya. DataRobot’s platform is credited with improving Carbon’s speed, accuracy, and governance of credit decisions.

Carbon

Ngozi Dozie

Carbon