End-to-end lending lifecycle — BNPL, micro loans, payday, hire purchase, SME lending — from origination to collections to accounting.
Manage the entire application journey from submission to approval. Multi-channel intake, automated document handling, and priority queues keep your team fast and organized.
Design your own segmentation logic visually — split by customer relationship, income band, product type, or any dimension — and assign a purpose-built strategy to each segment. Every applicant gets the right assessment, automatically.
Run multiple scorecards simultaneously, compare performance in real time, and promote the winner with a single click. Full control over your scoring strategy.
Every collection case surfaces the most effective next action. Prioritized queues, compliance rules, and AI-powered settlement calculations keep resolution rates high.
A unified view of every customer — applications, loans, payments, communications, and documents — all in one place with AI-powered intelligence.
A complete accounting system built into the platform. Automated GL mapping eliminates manual journal entries while real-time dashboards keep finance in control.
KPI dashboards, portfolio analytics, sector concentration analysis, and stress testing — all updated in real time. Export any report to CSV or PDF.
Beyond the core modules, Zotta includes a full suite of tools to run your lending operation end to end.
Orchestrates scoring, rules, and bureau data into automated decisions
21 configurable rules with thresholds and severity levels
AI priority scoring, SLA tracking, and workload awareness
Instant in-store eligibility checks in under 60 seconds
Self-service applications, payments, documents, and chat
Concentration monitoring with risk heatmaps and stress testing
AI chatbot with intent classification and agent escalation
Merchant management, product catalogs, and rate calculators
10 roles, 54 permissions, MFA, and full audit trails
Zotta is designed for rapid deployment with minimal configuration.
Set up your credit products, scorecards, business rules, and compliance policies through the intuitive back office.
Connect your credit bureau, WhatsApp Business, and payment channels. API-first architecture makes integration seamless.
Go live with AI-first lending. Your team gets better recommendations from day one, improving with every interaction.
Get in touch to schedule a demo or learn how Zotta LMS can modernize your lending operations.
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