Powerful, custom credit models
Building accurate, compliant, and fair credit models has never been easier.
SEE HOW
Improve risk assessment across the credit spectrum
Zest allows us to do our machine learning modeling work more efficiently and with less operational risk.
Michael Bradley
SVP Single-Family Housing, Freddie Mac
Zest's model is mathematically superior to the scorecard produced by our consultants.
Diana Larsh
VP Risk and Analytics
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.
Rodger Hochschild
Discover CEO and President
Feel stuck with subpar scoring and want to improve quickly?
Powerful credit models fast
Zest’s model pipeline software automatically creates reusable artifacts and updated documentation for quick iteration that delivers a model to fit your needs in a fraction of the time and effort of traditional modeling or model vendors.
Need something that’ll last through future uncertainty?
Robust, reliable risk prediction
Zest’s patented reject inference techniques leverage expanded data sets and unfunded populations to not only drive predictive performance, but also create superior model robustness against decay over time or changes in the market.
Think improving equitable access to credit is a must?
Industry-leading inclusivity
Zest’s proprietary adversarial de-biasing tools create powerful credit models that are also fairer than generic scores, advanced scorecards, and other custom models. You can approve more borrowers, close lending outcome gaps, and successfully manage risk.
Feel stuck with subpar scoring and want to improve quickly?
Powerful credit models fast
Zest’s model pipeline software automatically creates reusable artifacts and updated documentation for quick iteration that delivers a model to fit your needs in a fraction of the time and effort of traditional modeling or model vendors.
Need something that’ll last through future uncertainty?
Robust, reliable risk prediction
Zest’s patented reject inference techniques leverage expanded data sets and unfunded populations to not only drive predictive performance, but also create superior model robustness against decay over time or changes in the market.
Think improving equitable access to credit is a must?
Industry-leading inclusivity
Zest’s proprietary adversarial de-biasing tools create powerful credit models that are also fairer than generic scores, advanced scorecards, and other custom models. You can approve more borrowers, close lending outcome gaps, and successfully manage risk.
New to advanced modeling? We can help.
Zest’s data science and services teams have over a decade of experience perfecting AI-enabled credit solutions for lenders big and small.
We can handle the modeling and let you reap the benefits of building powerful models with the Zest Model Management System.
Or let your team leverage Zest software and services to build custom models for your business that you own and help you transition to AI-driven lending at your pace.
Got Questions?
Scores from models built with Zest range from 0 to 100 and are fully explainable, meaning each score can be "decomposed" to demonstrate every variable's exact contribution to the overall score, providing unparalleled transparency into credit decisions and more accurate reason codes for denials. The predictive accuracy of models built with Zest consistently outperforms industry scores.
No, this doesn't change what loan officers see. With loan origination system integrations, the score from your new model shows up in your workflow just like your current score. You can apply all the same decisioning rules and render a decision just like before—only faster.
and how quickly can we build and deploy?
Nothing fancy! We see great results from more fully leveraging trade line and bureau data you already have. We can always help identify outside data sources if desired, but our clients are typically able to get their new models up and running within 60 days.
