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.
Solution
Build
Tinker and test more quickly and easily for better performance.
Benefits of building models 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
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
Automated model risk management documentation and business impact analysis creates easy oversight
Comprehensive fair lending analysis including disparate impact review, business justification, and less discriminatory alternatives ground credit policy in data
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
Deploy live scores and reason codes directly within your LOS
Automate more decisions with confidence
Monitor system performance and latency on-demand
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.
