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Client Overview
Credible
Credible is a leading US-based financial marketplace that connects borrowers with multiple lenders, enabling transparent rate comparisons for student loans, personal loans, mortgages, and refinancing. As a regulated fintech platform, Credible manages sensitive user data across millions of transactions, making compliance and consent governance critical to its operations.
Industries
FinTech
Headquarters
San Francisco, CA, USA
Company size
200+ employees
Challenges
Fragmented Consents Created Compliance Gaps
Credible’s user consent data was scattered across vertical systems, making it difficult to verify permissions, comply with evolving privacy laws, and respond quickly to audit or user revocation requests.
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Disconnected data sources
Each product line stored disclosures and consent logs separately, leading to incomplete visibility and inconsistent enforcement across user journeys.
Manual audit burden
Compliance teams had to gather consent records manually from multiple systems, delaying responses to auditor and regulator requests.
No granular revocation control
Users could unsubscribe from emails but couldn’t revoke consent for data sharing or partner integrations, risking noncompliance with new privacy standards.
High cross-team dependency
Implementing consent checks required coordination among legal, product, and engineering teams—slowing delivery and increasing compliance risk.
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Why They Chose Us
Proven Expertise in Fintech Industry
Credible partnered with Zoolatech for our ability to build scalable, event-driven systems that maintain strict compliance standards while enabling fast product innovation.
Deep regulatory understanding
Zoolatech’s experience in fintech compliance and data governance ensured seamless alignment with evolving privacy regulations and audit requirements.
Event-based system design
The architecture enabled each consent action to be stored as an immutable event—creating a single, transparent source of truth across all business lines.
Zoolatech is a senior-heavy engineering firm with Silicon Valley roots and a Miami HQ, specializing in legacy modernization, system re-architecture, and AI deployment to drive long-term, compounding value.
2017
Year Founded
600+
Employees
96%
Client Satisfaction
Workflow
Structured Delivery Across Systems and Teams
Zoolatech applied a phased approach—aligning legal, engineering, and product teams to build a centralized consent platform with strong governance foundations.
Phase 1
System audit and mapping
Analyzed all disclosure points and consent flows across verticals to identify where and how user permissions were stored, reused, or missing.
Phase 2
Consent inventory and standardization
Unified multiple consent types (credit pull, data sharing, communications, third-party authorizations) into a single schema for tracking and validation.
Phase 3
Core platform implementation
Developed a centralized database and event-based service to register, store, and query user consents, ensuring full traceability.
Phase 4
Admin and legal tools
Built internal admin modules for compliance teams to view, export, and audit consent histories by user, disclosure, or timestamp.
Phase 5
Monitoring and continuous integration
Added observability and failover mechanisms to ensure every consent event remains verifiable and the data pipeline remains stable.
A centralized consent platform unified privacy workflows, accelerated audits, and strengthened compliance through event-based traceability.
Solution
Centralized Consent Management Platform
Zoolatech built a unified system to manage, track, and enforce user consents across all Credible products—bridging legal, product, and engineering workflows under one compliant architecture.
Event-based consent tracking
Each user consent is logged as a discrete event with a timestamp, a universally unique identifier (UUID), and a source, ensuring full traceability and audit compliance.
Unified consent repository
Consolidated all consent types—credit pulls, communications, third-party data sharing—into a single schema accessible across verticals and admin interfaces.
User-facing privacy controls
Developed a front-end page allowing users to view and revoke specific consents (e.g., SMS, email, partner sharing) in compliance with evolving privacy laws.
Risks and Mitigations
Managing Compliance-Critical Risks
Building a unified consent system introduced complex legal, operational, and technical risks—each addressed through proactive governance and architecture decisions.
Option |
Risk |
Mitigation |
|---|---|---|
| Cross-team dependency | Multiple teams (legal, product, engineering) needed to align on data sources and disclosure logic. | Established a single ownership model and synchronized rollout plan with shared audit standards. |
| Data integrity gaps | Legacy systems lacked historical consent data for millions of users. | Introduced a “backfill” process to capture and normalize historical consents upon user reactivation. |
| User revocation edge cases | Risk of user revoking consent before the enforcement logic was live. | Staged rollout with feature toggles and safety checks to prevent compliance breaches. |
| Audit readiness pressure | Legal audits require consolidated, timestamped consent logs across all products. | Built an admin audit dashboard with full traceability and export functionality. |
Results
From Fragmented Records to Full Audit Readiness
The centralized platform transformed how Credible manages user permissions—eliminating data silos, improving audit response times, and creating transparency across all business units.
Unified consent visibility
All consent events are now stored in a single system, giving compliance teams immediate access to complete user histories.
Streamlined audit processes
Compliance teams can retrieve and validate any consent event in minutes, eliminating manual cross-system lookups.
Regulatory confidence
Enabled Credible to meet updated data privacy requirements and reduce the risk of compliance incidents or audit failures.
Business Value
Privacy Governance Built for Scale
The centralized consent platform created a scalable foundation for evolving privacy compliance across products and channels.
Stronger data control
Granular consent enforcement ensured user permissions were consistently applied across every partner, workflow, and business line.
Future-ready compliance
A single source of truth for consents reduced regulatory exposure and enabled faster adaptation to new privacy laws and audit expectations.
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