Preheat your oven to 180°C (350°F).
Grease and line an 8.5-inch loaf pan with parchment paper.
In a large bowl, whisk together oil, brown sugar, and white sugar until smooth.
Add eggs and vanilla, whisking well until slightly thickened.
Mix in shredded carrots and Greek yogurt (or applesauce).
In a separate bowl, whisk together flour, baking powder, baking soda, salt, and cinnamon.
Add dry ingredients to the wet mixture and fold gently until just combined, do not overmix.
Pour the batter into the prepared loaf pan.
Sprinkle dark chocolate chips evenly over the top.
Bake for 45–55 minutes, or until a toothpick inserted in the center comes out clean.
Let it cool in the pan for 10 minutes before transferring to a wire rack to cool completely.