Credit Risk Management for Data-driven Credit Decisions

Risk management is at the heart of every lending or onboarding decision. Your own information along with traditional credit and alternative data sources, combined with credit rules drive those decisions. Zoot decisioning technology is the most effective platform for enabling rule implementation and data acquisition across a diverse range of lending and onboarding processes supporting clients across the globe.


When it comes to risk management, Zoot takes a proactive approach to implementing innovative strategies. Our solutions allow our clients to see the whole picture, allowing you to stay steps ahead of your competition.


Streamline your origination process and offer paperless lending anytime and anywhere with Zoot’s origination solution. Our comprehensive all-in-one solution helps financial institutions achieve excellence in multichannel application distribution. Zoot’s origination solution enables rapid and effective origination across multiple markets, segments and channels, with high-quality customer experience and optimised collaboration between borrowers, partners and lenders. With a complete automation process, considerably fewer resources are necessary to move existing applications through the system – freeing up your staff to concentrate on higher value-adding tasks.

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Instant decisioning

Using real-time data, Zoot’s instant decisioning solution allows you to immediately gain an accurate picture of the financial health of your customers and calculate how much credit to extend. Offer credit to your customers under your own brand with a convenient, streamlined user experience. A robust, flexible set of decisioning capabilities and data assets can help deliver more relevant offers and improve responses across multiple channels. Whether you use an interface you’ve already built or a Zoot interface, you can easily integrate our solution to confidently approve customers while enhancing the customer experience. With Zoot’s instant decisioning solution you will quickly discover insights, make optimal decisions and execute innovative customer strategies.

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Data acquisition

The dynamic financial services environment demands that your business makes intelligent decisions to maintain its competitive advantage. With the tremendous volume of data available, it is critical to cut through the noise to find and utilise the most valuable data to meet your specific business needs.

Zoot’s data acquisition solution allows you to choose from a vast ocean of data and service providers, giving you the power to identify the best strategy for growth – based on data, not guesswork.

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Merchant onboarding & monitoring

Manage your merchant relationships and mitigate risks with Zoot’s merchant acquisition and monitoring. Our solution also allows sub-second decisioning and a fully automated underwriting process – providing acquirers an efficient and seamless onboarding experience for all merchants – large and small.

Zoot also understands your challenge to identify the likelihood of risks, and mitigate losses while increasing portfolio volume. Our solution makes it easy to achieve a thorough understanding of the full spectrum of risks such as fraud, non-compliance issues, attrition and bankruptcy, as well as detect and track suspicious transactions. By being prepared for risk with an advanced system, acquirers can more confidently and ambitiously sign-up new merchants as the economy grows. On the other hand, even if economic conditions take a downturn, acquirers will be in a stronger position to reduce losses from risk presented by current merchant accounts.

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Fraud detection service

Today’s banking customers have high expectations for their relationship with their financial service providers. Consumers expect a personal, yet convenient relationship with their banks, and the ability to interact with advisors through the same channels they use to stay connected with friends and family. This multichannel interaction presents a challenge for banks – to rapidly detect and prevent complex fraud schemes to minimise losses, maximise customer trust and reduce reputational risk. With Zoot’s fraud solution, financial institutions can deploy a variety of fraud detection scenarios extending across channels, lines of business and customer lifecycle stages – ensuring constant customer protection.

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Advantages of Zoot's Credit Risk Management Solutions

  • Manage and improve credit quality
  • Improve operational efficiency
  • Realise the benefits of risk analysis more quickly
  • Exploit new data sources and services more quickly to improve risk assessment or efficiency
  • Make more decisions automatically
  • Ensure consistency decisioning making with greater control

Credit risk assessment

In today’s economy, knowing more about your potential borrowers manages credit risk and maximises profits. Credit scores alone only give you a partial view of credit health. Zoot’s platform to implement credit risk management processes brings you data that dives deeper and reaches wider.

Through easy-to-use credit assessment tools that deliver clear-cut answers, we bring you an integrated view of a borrower’s credit profile and history. The benefits apply to both new lending and lending to existing customers where you have the advantage of using data from your historic relationship.

Using credit risk management to fuel better performance

Whether we are dealing with credit risk management in banks or in other smaller or more specialised lenders, the objective is to optimise decision making while maintaining the efficiency of the operation. Using a scalable platform exploiting credit risk analysis tools and techniques is also crucial to  capture increasing market share.

Inefficient manual processes are still prevalent in many areas either because of legacy processes that have not caught up with modern technology or because human expert driven risk assessment is the quickest and easiest way for a lender to start up. Whatever the reason, Zoot is proven at transforming inefficient operations into modern credit risk management processes. 

Software for Credit Risk Assessment

Our risk management solution operationalises the evaluation, management and  mitigation of risk within your company. Financial risk management, capital adequacy, pricing, profit and loss can all benefit from Zoot solutions for credit risk assessment and management.

Where new strategy and product ideas need to be tested, do this safely and in a strictly controlled way by using champion challenger testing on a proportion of lending before rolling out to the full population.

Faster decisions in lending

Lenders can provide risk-priced offers and reduce non-performing loans by using an automated credit risk management solution for credit scoring. Our technology enables businesses to streamline the implementation of credit risk analysis and credit approval procedures to make informed and prompt lending decisions.

For existing customers you benefit from early warning of potential dangers by continuously monitoring the most relevant data available for that customer including internal and external data, thereby reducing potential losses by enabling you to act promptly. 

Features of credit risk software

Our credit risk solution provides a secure, highly configurable cloud-based platform that boosts the efficiency and speed of risk evaluation operations. With our solutions, you can discover and simulate fundamental credit risk parameters, as well as their interactions with other financial risks. You’ll be able to operationalise the forecasting of credit risks’ current and future impact. 

Capital adequacy

For lenders required to hold minimum capital buffers automated credit risk management processes are essential to deploy risk models consistently, track portfolio profiles and feed into capital adequacy calculations. This satisfies regulatory requirements to use common models for operational decisions and capital calculation but also allows wider assessment of the impact of strategy and portfolio change on the capital operations of the business, not just the product portfolio.

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