CASE MANAGEMENT & UNDERWRITING
Configurable. Transparent. Collaborative.
Manage exceptions, escalate cases, and finalise decisions with speed and control. Zoot helps you balance automation with expert review, ensuring confident decisions backed by clear data and process visibility.
Trusted by financial service providers of all sizes across Europe and beyond.
Configurable Workflows
Design your case management and underwriting process to match your policy. Zoot gives you full control to define rules, review flows, and decisions for consistent, fast outcomes.
Collaborative Review
Zoot brings teams together. Review, comment, and resolve cases in real time across departments, with shared visibility and prioritised queues for faster turnaround.
Transparent Decisions
Every decision is traceable. With rule-level insights, audit logs, and user action tracking, Zoot helps you maintain compliance and build confidence across risk and leadership teams.
Enable Confident Decisions
When Automation Isn’t Enough
Zoot gives underwriters a clear, flexible interface to manage exceptions and handle edge cases. Whether documents need to be reviewed, risk flags resolved, or decisions escalated, our platform supports quick, compliant action without confusion or delays.
Full Control Through Configurable Workflows
Zoot gives your team full control over how decisions are executed—with no need to rely on external development. Workflows are graphically configured using the same intuitive toolset as decisioning logic, allowing business users to adapt processes quickly, visually, and without code.
Drag-and-drop workflow builder integrated with decisioning
Unified data model for seamless orchestration across systems
Easy configuration of delays, triggers, notifications, and actions
Rapid adjustments to customer journeys and logic flows
Intelligent Orchestration of Data and Processes
At every stage of the decisioning process, Zoot intelligently routes data and decisions where they’re needed—whether that’s an external system, internal process, or a manual review queue. This ensures the right action happens at the right time, automatically.
Connects internal data, APIs, and third-party services
Decision logic automatically flags cases or triggers tasks
Schedule complex events and processing with ease
Real-world adaptability built into every workflow
Purpose-Built Case Review
When manual input is needed, Zoot’s case management interface gives underwriters and case workers everything they need—on one screen. From yellow-flagged applications to full visibility into applicant data and decision rationale, reviews are fast, collaborative, and fully auditable.
Custom interfaces tailored to case type and user role
Full access to application data, provider responses, and comments
Queues prioritised by risk or business rules
Task and flag automation with clear accountability
Operational Transparency and Audit Confidence
Whether reviewing a case or managing back-office operations, Zoot ensures total transparency. Every action is logged, every decision traceable, and every user permission-controlled—supporting compliance, performance monitoring, and audit-readiness
Complete visibility of all active and archived cases
Role-based access for users and teams
Logs for comments, decisions, and workflow activity
Built-in reports and custom dashboards for compliance and performance
Clients
Build better, launch faster
Build great products, faster
than ever
350
Data Sources Integrated
80%
Faster Data Integration
< 1 sec
Average Data Response Time
90%⁺
Reduction in Manual Data
Handling
Zoot’s Technology | Webrules® |
A Powerful Business Rules Engine
Built on composable architecture, WebRules® provides the flexibility to independently develop rules, logic and workflows by pulling in components from a central location.
Low-Code Interface
Visual builders and pre-built components allow business users to create and modify web applications without deep technical knowledge.
Custom Rules & Workflows
Define complex business rules, decision trees, and automated workflows that respond to user inputs and external data in real-time.
Composable Architecture
Mix and match components to create custom applications that perfectly fit your business needs, with the flexibility to evolve over time.
Frequently asked questions
How does Zoot support fully configurable case management and underwriting workflows?
Zoot provides a low-code, drag-and-drop workflow builder that allows business users to design and update underwriting and case handling processes without coding. These workflows are tightly integrated with the decision engine and share a unified data model, ensuring seamless orchestration between systems, user roles, and decision logic. Users can configure delays, triggers, notifications, escalations, and task routing—all tailored to their policies and case types. This allows institutions to quickly adapt to new products, regulatory changes, or internal process improvements without development bottlenecks.
How does Zoot ensure transparency and compliance in manual and automated decisions?
Every step in the decisioning process is logged and traceable. Zoot’s platform records rule execution paths, user actions, escalations, and comments, creating a complete audit trail for each case. Role-based access ensures that only authorised users can view or act on specific data, and built-in dashboards allow compliance teams to monitor activity in real time. For manual reviews, the platform provides a unified interface where underwriters can view the full context of a decision—ensuring actions are well-informed, defensible, and aligned with policy requirements.
What tools does Zoot offer for efficient manual underwriting and exception handling?
Zoot’s case management interface is purpose-built for underwriters and exception handlers. It consolidates all relevant applicant data—including third-party responses, decision history, risk flags, and comments—on a single screen, reducing time spent switching between systems. Users can prioritise queues based on risk, automate task assignments through business rules, and collaborate with peers through shared notes and review histories. This structure not only improves turnaround times but also ensures that exceptions are handled consistently and transparently across the organisation.
How does Zoot orchestrate data and decisioning across manual and automated processes?
Zoot’s orchestration engine intelligently manages the flow of data and decisions across both automated and manual steps. It connects to internal systems, APIs, and third-party providers, ensuring data is routed where it’s needed—whether to trigger a downstream action, escalate a case for manual review, or pause a workflow pending input. Rules can flag specific conditions, initiate scheduled events, or assign tasks dynamically. This orchestration ensures that even complex, multi-stage decisions can be executed with speed, accuracy, and minimal operational overhead.
Use Cases
Zoot supports fast-moving financial teams. See how leading financial service providers leverage Zoot’s platform to solve complex challenges and drive growth.
Consumer Lending
Mortgage Lending
Merchant Onboarding
Credit Card Origination
Buy Now, Pay Later
Power Seamless Integration — from Data to Decision
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