Zoral

Company

Specialists in how banks and financial institutions lend, decide and grow, since 2004.

Zoral builds the Zoral Finance Operating System (fOS), the platform behind our solutions for banking, lending and insurance. Through Atelier, our consulting and implementation team, we help banks, lenders and insurers put it to work. We are privately held, founder-led, and our platform is our own.

Book an executive briefingExplore Zoral fOS

Two decades of putting intelligence into lending.

Zoral began in 2004 as a research and development company. We built predictive models for consumer and SME credit: who to lend to, how much, at what price, and how to spot fraud and default early. That work led to one of the first fully automated, straight-through digital lending platforms in the UK, for consumer and SME finance.

Since then, we have delivered over 100 projects for banks, digital banks, lenders, finance companies, insurers and mobile financial services providers. We have clients in North America, Europe, Africa, Asia, South America and Australia. Each project added to what we know about how lending decisions are made, governed and improved.

That experience is built into our newest flagship platform, the Zoral Finance Operating System (fOS). Our product research and development now brings machine learning and generative AI into the platform, It is governed so banks stay in control. Decisions run in real time, each is recorded, and people stay accountable.

  1. 01

    Founded: machine learning for credit

  2. 02

    Fully automated digital lending

  3. 03

    Solutions across banking, lending and insurance

  4. 04

    Zoral fOS with governed AI

One platform, and the people who put it to work.

  • Zoral fOS and Solutions

    The platform and the ready-to-configure solutions built on it: digital and Islamic banking, loan origination, underwriting, cards, mortgage, auto, SME and corporate lending, embedded finance and insurance.

    Explore Zoral fOSExplore Solutions

  • Atelier

    Our consulting and implementation team. Senior specialists cover strategy, product innovation, credit risk, data and AI, customer lifecycle and engineering. They implement Zoral fOS and work with your advisers and integrators.

    Explore Atelier

What we believe.

  1. 01

    We stay with problems longer.

    Go-live is where the real work starts. We keep measuring, testing and tuning until we reach the result. The Business Outcomes Layer shows if we have.

    “It’s not that I’m so smart, it’s just that I stay with problems longer.”
    A line often attributed to Albert Einstein, and one we work by.
  2. 02

    Specialists in one industry.

    We work in banking, financial services and insurance, and nowhere else. Our people have run credit, risk and banking operations.

  3. 03

    We implement what we advise.

    Because the people who advise you also build and run what they recommend, the advice has to work in production.

  4. 04

    Responsible by design.

    Affordability, fair treatment and clear reasons are built into the decisions we design, so they can be explained to customers and examined by supervisors.

  5. 05

    AI under governance, people accountable.

    We use AI to work faster and make our clients’ operations smarter. It is always guardrailed and under human-in-the-loop supervision. Credit decisions follow the policies and models your bank approves.

  6. 06

    Relationships that last.

    Most clients start with one product and grow with us, product by product and market by market, on the same platform.

Leadership

Our leaders have worked together for more than a decade, some for much longer. The people who built Zoral fOS still lead how it is built and delivered.

Eric Sandler, Chairman and Chief Executive Officer

Eric Sandler

Chairman and Chief Executive Officer

Eric founded Zoral in 2004. He led it as President and Chief Technology Officer, and now leads it as Chairman and CEO. He brings over 30 years of experience across finance, credit risk management, fintech product management, data architecture and AI, and holds technology patents.

Read the full biography

He began his career in credit risk. As Director of Credit Risk Management at Swiss Bank Corporation, he led a worldwide credit information system that automated credit analysis from company financial statements, third-party data and internal banking systems. As Vice President, Credit Risk, at UBS, he created a unified data architecture across the bank’s products, and a risk-management platform that senior management and the board used for portfolio decisions.

He went on to serve as Chief Technology Officer and a board member of Aleri, where he created and patented its high-speed complex event processing technology. Aleri was acquired by Sybase, and the technology became part of SAP HANA. He then worked as a principal consultant in enterprise data and risk architecture. Alongside Zoral, he has served as CTO and board member of aiHit, which applied machine learning and natural-language processing to web data, and of Returnil, a cloud security company.

Eric studied computer science, finance and applied mathematics at New York University.

LinkedIn
  • Adrian Andrews, Chief Financial Officer

    Adrian Andrews

    Chief Financial Officer

    LinkedIn
  • Alex Hummel, Head of Risk

    Alex Hummel

    Head of Risk

    LinkedIn
  • Pavlo Kourochka, Chief Technology Officer

    Pavlo Kourochka

    Chief Technology Officer

    LinkedIn
  • Yuri Bürger, Head of AI

    Yuri Bürger

    Head of AI

    LinkedIn
  • Peter Sandler, Chief Commercial Officer

    Peter Sandler

    Chief Commercial Officer

    LinkedIn
  • Danil Kolendovskyy, VP, Product Development

    Danil Kolendovskyy

    VP, Product Development

    LinkedIn
  • Andrew Kozhanov, VP, Engineering

    Andrew Kozhanov

    VP, Engineering

    LinkedIn

Where we work

Our teams work from Europe and the United States. We also have support and partners across South-East Asia. We deliver directly and with partners.

London

Epworth House25 City RoadLondon EC1Y 1AAUnited Kingdom
+44 20 3963 2002

Miami

1221 BrickellSuite 900Miami, FL 33131United States
+1 (305) 347-5133

Founded in 2004Over 100 projects350+ years of combined experienceClients regulated by the FCA in the UK, the CFPB in the US and the central banks of Malaysia and ThailandIndependently audited under SOC 2

Zoral at a glanceWhy Zoral: questions to ask before you choose

Frequently asked questions

About Zoral

Who owns Zoral?

Zoral is privately held and founder-led. Eric Sandler founded the company in 2004 and leads it as Chairman and CEO.

Is Zoral part of a larger software group?

No. Zoral is an independent specialist, and our platform is our own. We decide our product roadmap with our clients, not for a parent company.

Where are your teams?

In Europe and the United States. We also have support and partners across South-East Asia. Where it helps, we work with local systems integrators who bring presence and relationships in their market.

Working with us

How do you keep our systems and data secure?

Our controls are independently audited under SOC 2, with details on the Zoral Trust Portal. Zoral fOS runs on AWS or Azure in the region you choose, or in your own data centre, and is designed for high availability. Architecture documentation is available under a confidentiality agreement.

Do you work with consultancies and integrators?

Yes. We work directly with banks, and alongside the advisory firms, digital and engineering firms and systems integrators they already use, including a long-standing relationship with KPMG.

How does Zoral use AI in its own work?

AI for Zoral helps our specialists design, check and test faster. It is guardrailed and works under human-in-the-loop supervision. It is not trained on your data, and it runs within the environments and agreements you control. A specialist approves every artefact.

Can we speak to existing clients?

Yes. References are available in confidence.

Meet the people who would work with you.

A senior Zoral team will look at where you stand and agree a sensible first step with you.

Book an executive briefingContact us

Contact Us

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Automate lending, banking and finance operations.

London

Epworth House25 City RoadLondonEC1Y 1AAUnited Kingdom
+44 20 3963 2002

Miami

1221 Brickell Building, Suite 900Miami, FL 33131USA
+1 (305) 347-5133

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