03 · Lending Operations

The whole loan, from apply to collect.

Digitize the entire lending lifecycle — origination, underwriting, disbursement, servicing, and collections — in one platform. Replace fragmented tools and manual work with automated, auditable workflows.

Loan Pipeline
Application received 100%
KYC verified 100%
Underwriting · risk score A · 0.82
Disbursal queued
Approved this week
₹42.6Cr
The lending lifecycle

Seven stages, one continuous system.

Every stage is automated, auditable, and visible in real time — no handoffs lost between tools.

Application

A borrower applies through your channel of choice.

01
02

Assessment

Credit data and policy rules evaluate the application.

Approval

Decisions are made automatically or routed for review.

03
04

Disbursement

Approved funds are disbursed instantly.

Repayment

EMIs are scheduled, tracked, and reconciled.

05
06

Collections

Overdue accounts move into prioritized workflows.

Portfolio

Performance and risk are monitored continuously.

07
Why lenders switch

Decide faster. Serve more. Spend less.

Process loans faster

Automate origination and decisioning to cut approval times dramatically.

Cut operating costs

Remove manual handoffs and reduce cost-to-serve per loan.

See your whole portfolio

Real-time visibility into performance, risk, and collections.

Decide automatically

Configurable rules and scoring drive consistent, instant decisions.

Core features

Run every stage on one platform.

Loan Origination

Capture and process applications across any channel.

Credit Assessment

Evaluate applicants with data-driven scoring and checks.

Rule Engine

Encode lending policy into transparent, editable rules.

Workflow Automation

Route, approve, and escalate without manual chasing.

Loan Disbursement

Disburse approved funds instantly and accurately.

EMI Tracking

Monitor repayment schedules and dues in real time.

Collection Management

Drive structured, prioritized collections workflows.

Customer Portal

Give borrowers self-service access to their loans.

Risk Monitoring

Track portfolio risk signals continuously.

Reporting Dashboard

Consolidate lending metrics into actionable reporting.

Use cases
NBFCs Banks Microfinance Institutions Digital Lenders Embedded Finance
Origination (LOS)UnderwritingDisbursalServicing (LMS)CollectionsCo-lending
LEND FASTER

From application to disbursal, automated.

ORIGINATION
<10min
Application to credit decision
STAGES
7
Loan lifecycle stages automated
BUREAUS
All 4
CIBIL, Experian, Equifax, CRIF
UPTIME
99.99%
Sovereign infra, 24×7 monitored
DEVELOPER FIRST

Create a loan in one call.

Originate, underwrite, disburse and service — the full LOS + LMS lifecycle over one API.

loans.sh
# Originate a loan application
curl -X POST https://api.zyroai.com/v1/loans \
  -H "Authorization: Bearer $ZYRO_KEY" \
  -d '{
    "product":  "personal",
    "amount":   200000,
    "tenure":   24,
    "applicant":"cust_8821"
  }'

# → { "loan_id":"LN-4410", "decision":"APPROVED" }

Lend at scale, without the manual work.

Increase approval efficiency without adding headcount — and give borrowers a faster, cleaner experience.

FAQ

Loan Management System — frequently asked questions

What does the Loan Management System cover?

The full loan lifecycle: origination (LOS), underwriting, disbursal, servicing and collections.

Does it support co-lending?

Yes. Co-lending and multi-lender workflows are supported.

Which credit bureaus does it integrate with?

All four India bureaus: CIBIL, Experian, Equifax and CRIF.

Is it configurable for NBFCs and banks?

Yes. Lifecycle stages and credit policies are configurable per lender.