Preheat oven to 350°F (175°C). Grease and line a 9x5” loaf pan with parchment paper.
In a medium bowl, whisk together flour, baking soda, salt, cinnamon, nutmeg, and ginger.
In a separate large bowl, whisk together brown sugar, granulated sugar, eggs, oil, and vanilla extract until smooth.
Stir in the grated carrots.
Gently fold in the dry ingredients until just combined—do not overmix.
In another bowl, beat the softened cream cheese with egg yolk, sugar, and vanilla until creamy and smooth.
Pour half of the carrot batter into the prepared loaf pan. Spoon the cream cheese filling over the batter in an even layer.
Add the remaining carrot batter on top, then swirl lightly with a knife.
Bake for 50–60 minutes, or until a toothpick inserted in the center comes out with a few moist crumbs (not raw batter).
Let cool in the pan for 15–20 minutes before transferring to a wire rack to cool completely. Slice once fully cooled.