One platform for every stage of credit.
Nine production-grade modules, one model, one data graph. CreditZilla replaces the patchwork of point tools that sit between underwriting and write-off.
Borrower Intelligence
Unified 360° borrower profile, continuously enriched from bureau, transactional and behavioural signals.
- Bureau + alt-data fusion
- Behavioural cohorts
- Identity graph
AI Risk Monitoring
Detect deterioration before it shows up in DPDs. Predictive scores updated daily.
- Early warning signals
- PD/EAD/LGD models
- Watchlists
Portfolio Analytics
Real-time vintage, flow rates, cohort PnL and concentration risk across products and geographies.
- Vintage curves
- Flow rate matrices
- Cohort PnL
Engagement Engine
Multi-channel orchestration tuned per borrower segment. Right message, right moment, right channel.
- Journey builder
- Channel orchestration
- A/B treatment paths
Recovery Engine
AI-led collections strategy with adaptive treatment paths, settlements and outreach automation.
- Bucket-wise strategy
- Settlement engine
- Agent assist
Credit Improvement
Rehabilitate borrowers with structured improvement journeys and bureau-aware nudges.
- Score uplift paths
- Bureau-aware nudges
- Coaching journeys
Loan Requalification
Continuously re-score rejected and matured borrowers for the next eligible product.
- Eligibility recheck
- Next-best product
- Pre-approved offers
API Platform
Composable APIs and webhooks. Wire CreditZilla into your LOS, LMS, CRM and data warehouse.
- REST + webhooks
- Streaming events
- SDKs
Enterprise Dashboard
Role-based command center for risk, collections, growth and leadership teams.
- Role-based views
- Workflow approvals
- Exec scorecards
See CreditZilla on your portfolio.
We model risk, recovery and revenue uplift live during the demo — against a sample of your real book.