Model Management System

Proven software and trusted expertise from pioneers in AI underwriting

Setting the standard for AI-driven lending

Powerful

Models built with Zest outperform generic scores like FICO and custom-built logistic regression scorecards, delivering best-in-class borrower assessment.

Compliant

Our end-to-end model explainability has been called the gold standard by regulators, delivering transparency and reason codes with confidence in compliance.

Swift

Intuitive workflow automation provides model validation, business analysis, and compliance documentation, including MRM for smooth, swift adoption.

Easy

Streamlined data ingestion and parsing make modeling preparation simple. Plus, flexible deployments and integrations make implementation and operation easy.

personal loans

Akbank

6 mo

Forewarning of looming recession before official announcements

45%

Reduction in
non-performing loans

7 mo

Decrease in time to retrain and build models

“By switching to Zest AI for credit underwriting Akbank can find more good borrowers with no added risk and react faster to changes in the market.”
Hakan Yilmaz, Head of Credit & Model Risk Management
Credit Cards

VyStar Credit Union

22%

In portfolio approvals while holding risk constant

$40M

In new credit that will be issued every year

1.2x

Increase in automated decisioning

“The gains we saw in terms of performance and accuracy, coupled with the ability to use more variables, meant not only more approvals, but faster, more confident decisions. ”
Jenny Vipperman, CLO
Automotive

Prestige Financial

400%

Increase in approval rate for thin file borrowers

2x

Increase in total origination volume holding risk constant

110 bps

Increase in average loan yield

“The most important decision we made to affect the future growth of the company is partnering with Zest AI. Zest helps lenders like us build better models of predictability that will help us win.”
Bryant Henrie, CEO & President
credit cards
Vystar
Automotive
Prestige
personal loans
Akbank
Solution

Build

Tinker and test more quickly and easily for better performance.

Benefits of building models with Zest

  1. Easily iterate on dozens of models, combining the best ones into a powerful custom scoring model

  2. Leverage advanced math with full explainability to satisfy the toughest regulators and skeptics

  3. Automatically document modeling process saving time and resources

Best-in-class Borrower Assessment

Incorporates hundreds to thousands of variables

Can model more realistic relationships between data points and capture variable interactions

Outperforms traditional models in predictive performance

Solution

Adopt

Analysis and documentation workflows to evaluate and validate models for safety, stability, business impact, and compliance across teams seamlessly.

Everything needed to sail through compliance

  1. Automated model risk management documentation and business impact analysis creates easy oversight

  2. Comprehensive fair lending analysis including disparate impact review, business justification, and less discriminatory alternatives ground credit policy in data

  3. Feature mapping to adverse action reason codes and edge case review ensures the right codes are returned, preventing misled applicants or hidden fair lending issues

Streamline Stakeholder Approval

Dynamic tools for rapid analysis and validation

Champion / challenger analysis to compare model statistical and economic performance

Credit policy and outcomes analysis to inform future operation

Solution

Operate

Centralized control center and business intelligence to see the road ahead.

We make it easy to use powerful, complex tech

  1. Deploy live scores and reason codes directly within your LOS

  2. Automate more decisions with confidence

  3. Monitor system performance and latency on-demand

  4. Satisfy regulatory requirements for model management and operation

Boost responsiveness with monitoring

A second machine learning model monitors your live scoring model, detecting subtle changes that may impact your business before it's too late

Assess application volume, score distributions, and inputs on-demand without waiting for by-request analysis

A COMPLETE SOLUTION

Everything you need for easy AI adoption and effective credit model management

Production Model

Custom, machine learning scoring model and less discriminatory alternatives.

Compliance Documentation

Business impact, fair lending, and model risk management documentation.

Scores, Codes, & Integrations

Live scoring and reason codes delivered within your loan origination system.

ML Monitors & BI

Second machine learning model for multivariate monitoring and business intelligence.

Service & Support

Professional account services for smooth adoption and ongoing support.

Learn how your lending can benefit from usZest AI

Let's chat
Solution
Direct Access

Model Development Kit & Environment for experienced teams

Professional Service

For teams who want turnkey results and engagements

Web-based Applications

Under development, to increase accessibility for all teams

Financial Expertise with Data Science Genius

All the tools needed to prepare, build, iterate, and document powerful machine-learning models. Tinker and test faster and more easily for better performance.

Best-in-class Borrower Assessment

  • - Hundred to thousands of variables

  • - Can model more realistic relationships between data points

  • - Captures variable interactions

  • - Outperforms traditional models in predictive performance

Benefits of building with Zest

  • - Easily iterate on dozens of models, combining the best ones into a powerful custom scoring model

  • - Leverage advanced math with full explainability to satisfy the toughest regulators and skeptics

  • - Automatically document modeling process saving time and resources

Financial Expertise with Data Science Genius

All the tools needed to prepare, build, iterate, and document powerful machine-learning models. Tinker and test faster and more easily for better performance.

Best-in-class Borrower Assessment

  • - Hundred to thousands of variables

  • - Can model more realistic relationships between data points

  • - Captures variable interactions

  • - Outperforms traditional models in predictive performance

Benefits of building with Zest

  • - Easily iterate on dozens of models, combining the best ones into a powerful custom scoring model

  • - Leverage advanced math with full explainability to satisfy the toughest regulators and skeptics

  • - Automatically document modeling process saving time and resources

Financial Expertise with Data Science Genius

All the tools needed to prepare, build, iterate, and document powerful machine-learning models. Tinker and test faster and more easily for better performance.

Best-in-class Borrower Assessment

  • - Hundred to thousands of variables

  • - Can model more realistic relationships between data points

  • - Captures variable interactions

  • - Outperforms traditional models in predictive performance

Benefits of building with Zest

  • - Easily iterate on dozens of models, combining the best ones into a powerful custom scoring model

  • - Leverage advanced math with full explainability to satisfy the toughest regulators and skeptics

  • - Automatically document modeling process saving time and resources

Learn how your business can benefit from Zest AI

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insights

Getting Model Explainability Right Is Everything In AI Lending

October 13, 2021