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Current credit scores miss the full picture
Traditional measures of credit risk are leaving financial institutions unable to spot good borrowers from bad.
Traditional tools lack sophistication
Current risk assessment techniques are dated and struggle to accommodate advances in data and modeling.
Lenders are caught in a tough balancing act
Volatile, uncertain market and regulatory environments make it tough to build a responsive, agile lending business.
ZEST OFFERS
Smarter Predictions. Quicker Decisions. Better Lending.
With powerful AI from Zest, lenders make more good loans and fewer bad ones.
Increase Approvals
Identify the best borrowers, safely increase approvals
Decrease Losses
Mitigate risk, limit losses, maintain performance
Grow Yield
Enhance pricing, segmentation, and recoveries
Drive Automation
to market
Gain efficiencies and return to high-value activities
ZEST OFFERS
A clearer picture of every borrower.
More data, better math, and smarter software lead to more accurate risk assessment.
See How
ZEST OFFERS
Fast, accurate decisions.
Good decisions are easy and with intuitive automation they can be quick too.
Applicants and underwriters
Lending leaders
Credit risk and modeling
Applicants and underwriters
Lending leaders
Credit risk and modeling
ZEST OFFERS
Results that make an impact.
Better lending can mean significant gains in business success and customer experience.
Reduction in charge-off rate
Credit model variables; 17x more than previously
Of millions of dollars in annual savings
With a clearer picture of borrower risk, Discover could make fast, accurate decisions to keep winning customers while saving tens of millions dollars.
ZEST OFFERS
The Model Management System
Everything you need for effective credit model management and easy AI adoption.
Build
Powerful AI-driven credit risk models
Adopt
Compliant, industry-leading inclusive lending
Operate
Fast, easy credit scoring and model monitoring
Banks that fail to invest in machine learning will end up fundamentally uncompetitive in a couple of years. We found the best way to drive benefit faster was a partnership with Zest.
Roger Hochschild
CEO and President
What really excites us is the opportunity to offer instant decisions, better pricing, and personalized service to our members through our partnership with Zest.
Jenny Vipperman
Chief Lending Officer
