Vivica Loans

The Challenge

Lending is only as good as the system behind it — origination, credit decisions, disbursement, repayments, extensions and collections all have to hold together, with a clear audit trail and honest, upfront pricing for borrowers. Vivica is being built to run that entire journey on one platform.

Ophir's Role

Ophir designed and engineered Vivica end to end: a loan management system spanning a portfolio dashboard, an applications pipeline, an approvals matrix, servicing and extensions with automated policy checks, disbursements, repayments and collections, configurable loan products, roles and an audit trail — plus a borrower-facing marketing site with a live cost estimator that shows interest, arrangement fee and total repayment before signing.

What We Delivered

• Portfolio dashboard — gross portfolio, portfolio-at-risk (Bank of Zambia classification) and collections
• Applications pipeline — origination from submission to disbursement
• Approvals matrix with debt-service-ratio (DSR) checks
• Loan servicing — extensions with automated policy checks and audit trail
• Disbursements, repayments & collections by channel
• Configurable loan products (payroll & payday) — pricing, limits and rules
• Roles, permissions and a full audit trail
• Borrower-facing site with a transparent live cost estimator

Outcome

Vivica is in active development; the capabilities above reflect the platform's designed scope at varying stages of build, not a finished, deployed product. Together they show Ophir's ability to engineer a serious, end-to-end financial platform — from the borrower's first estimate to portfolio-level risk.