The kind of team this fits: a commercial bank credit function, roughly 600 applications a month across SME and retail credit.
The morning before
600 applications a month, an eight day cycle, and the difference between two analysts approving or declining the same file often comes down to which ratios they happened to weigh more heavily that day.
Image, the morning beforeA photo or illustration of what this looks like today, before any of this runs.
How this could run
Not a feature list. The actual sequence, from the moment the case lands to the moment someone signs it.
- 01
Financials get read the same way every time
Statements, KYC and bureau data are analyzed for industry and repayment risk against a consistent standard.
- 02
Cashflow and covenants get checked, not skimmed
Repayment capacity gets assessed from actual cashflows, not a summary ratio.
- 03
A credit recommendation arrives with its reasoning
Limit and terms come with the analysis that produced them.
Image, inside Zen StudioScreenshot of a Zen Studio canvas configured for a workflow like this one.
What doesn't change
An analyst still signs the credit recommendation. What changes is whether two analysts looking at the same file would reach the same one.
What this could mean
Illustrative, based on the shape of a workflow like this one. The real number depends on the case, the team, and how it's configured.
8 days → 6 hoursApplication to credit decision
90%+Credit decision consistency
Image, inside Zen PilotScreenshot of the Zen Pilot dashboard or explainability panel for a run of this workflow.
Where this lives in the platform
For a head of credit, a workflow like this starts as a conversation with Zara, describing the process in plain language and getting a first draft of the team back in the same session. Zen Studio is where engineering opens that draft, sets the guardrails node by node, and versions it before it goes live. Zen Pilot is where it actually runs, and where anyone can watch a case move through it in real time, node by node, with the reasoning attached.
