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Transform your Consumer Lending
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ZAML® software and tools let you put advanced machine learning models into production quickly to improve your ability to segment good credit risks from bad.

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Zest and Discover-18

Achieving Safer Portfolio Growth

In a successful trial, Discover and Zest found that the inclusion of more data and more sophisticated math reduced default rates significantly with no  portfolio risk.

“We found the best way to drive benefits faster was to complement our internal efforts with a partnership with Zest” 

Roger Hochschild
CEO and President, Discover Financial Services

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Reach new customers

ZAML helps you make more accurate assessments of borrower risk across the credit spectrum and opens up new channels and markets by reducing the risk of making loans in areas where you have a limited track record.

Reduce your risk 

ZAML helps you build models with much higher precision so you can eliminate bad borrowers and slash charge-off rates while keeping approvals steady.

Cross-sell more effectively

ZAML tools help you maximize the value of your datasets by finding new sources of predictive power for underwriting. Outpace your competitors by incorporating thousands of variables to better assess risk.

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Initial Increase in Approval Rates

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Using ML to Launch a Credit Business in China

A leading e-commerce company wanted to extend credit to its customers, but lacked the expertise and data. It turned to Zest to build a new machine learning underwriting model to accurately score consumers that lack a traditional credit profile.

Let’s Talk

Are you ready to expand your consumer lending business with the power of machine learning?