RISK ASSESSMENT & MANAGEMENT

Zoot provides a multidimensional credit risk evaluation by merging traditional credit scoring methods with alternative and real-time data. This includes:

• Debt-to-Income (DTI) and affordability models that factor in verified income streams against existing obligations.
• Open Banking integrations that allow access to real-time transaction data, giving lenders a direct view into financial behaviour and liquidity.
• Multiple bureau connections for enriched PD (probability of default) scoring and credit history cross-verification.
• All data sources are orchestrated within Zoot’s decision engine, producing immediate, decision-ready outputs that are explainable and consistent across all customer segments.

This holistic view allows lenders to calibrate terms (not just approve/decline decisions) based on actual repayment capacity, supporting fairer, more accurate credit allocation.

Zoot’s no-code risk configuration framework empowers business users—such as risk officers or compliance managers—to manage logic directly. Key enablers include:

• A drag-and-drop interface for defining and adjusting rule logic, scoring models, and workflow sequences.
• Integrated data orchestration, where internal and external data sources can be mapped, prioritised, and scored without code.
• Sandbox environments that support safe testing and validation of new logic before deployment.
• Version control and audit trails to maintain transparency over changes and ensure compliance readiness.

This autonomy allows institutions to adapt risk strategies on the fly—responding to regulatory changes, market shifts, or product updates—without lengthy development cycles or dependency on external vendors.

Zoot embeds compliance at the core of its decisioning workflows, ensuring that every applicant is screened in accordance with relevant regulatory frameworks—such as AML, KYC, or affordability mandates. This is achieved through:

• Automated policy enforcement, where regulatory checks (e.g., document verification, sanction list screening) are applied dynamically during the onboarding process.
• Role-based access control, ensuring sensitive decisions and exceptions are handled only by authorised users.
• Centralised audit logging, providing a complete, tamper-proof history of all decisions, user actions, and rule changes.
• Case tracking and documentation automation, making regulatory reporting and internal reviews efficient and accurate.

This approach ensures compliance isn’t bolted on—it’s natively integrated—helping institutions remain agile while still meeting stringent governance requirements.