Predict. Prevent. Resolve.
Zyvotech helps lenders identify early signs of portfolio stress and act before assets turn sour.
The NPA Problem is Real
Banks and NBFCs struggle with portfolio stress. The warning signs are there—but often invisible until it's too late.
Delayed Signals
By the time traditional metrics flag an issue, the damage is already done. Recovery becomes expensive.
Fragmented Data
Loan data sits in silos. Payment history, behavioral patterns, external signals—all disconnected.
Rising NPAs
Non-performing assets erode capital. Banks and NBFCs need proactive tools, not reactive dashboards.
#TimeToActEarly
How Zyvotech Solves It
We turn fragmented data into actionable intelligence. Early warnings become recovery opportunities.
NPA Timeline Prediction
Know when an account is likely to slip—6 to 12 months in advance.
Stress Propensity Score
Account-level risk scores powered by behavioral analytics and ML.
Behavioral Shift Detection
Catch early warning signals like payment delays, reduced engagement, or spending pattern changes.
Portfolio Heatmaps
Visual risk intelligence across your entire loan book. Spot clusters of stress instantly.
Collections Automation
Digital workflows for recovery. Reduce manual effort, increase success rates.
#DataDrivenRecovery
Platform Features
Everything you need to manage portfolio stress—from prediction to resolution.
Predictive Engine
Machine learning models that forecast stress timelines and propensity scores with high accuracy.
Early Warning Systems
Real-time alerts when behavioral patterns shift. Act before accounts deteriorate.
Portfolio Analytics
Comprehensive dashboards with drill-down capabilities. Understand risk at every level.
Recovery Playbooks
Actionable strategies tailored to account risk profiles. Increase recovery rates systematically.
Digital Collections
End-to-end workflow automation for stressed asset management. From detection to resolution.
Explainable AI
Transparent models you can trust. Understand why an account is flagged and what drives the score.
Who We Serve
Built for lenders who want to stay ahead of portfolio risk.
Banks
Retail, corporate, and priority lending portfolios. Manage stress across segments.
NBFCs
Vehicle loans, personal loans, MSMEs. Predict and prevent NPAs at scale.
Fintech Lenders
Digital-first lending. Real-time risk intelligence for modern portfolios.
#LendingIntelligence
Why Zyvotech?
We're not just another analytics platform. We're your partner in portfolio intelligence.
Fast Setup
Integrate with your existing systems in weeks, not months. Minimal disruption.
Deep Analytics
Go beyond surface-level metrics. Understand the why behind every risk score.
Explainability
Transparent AI you can trust. Every prediction comes with clear reasoning.
Secure Architecture
Bank-grade security. Your data stays protected, compliant, and confidential.
Regulatory Compliance
Built with RBI guidelines in mind. Audit-ready reporting and documentation.
Continuous Learning
Models that improve over time. Your portfolio intelligence gets smarter.
#SmartLending