Manage your portfolio’s evolving risk more proactively
borrower risk on book
Drive better outcomes with trusted accuracy
Credit migration tracking
See exactly how each cohort of borrowers is performing over time
Credit line management
Auto-rank borrowers based on current risk with individualized recommendations
Borrower alerts
Identify borrowers trending toward delinquency while there's still time to act
Loss projections
Model lifetime probability of default and loss given default by segment
How Zest AI helps during portfolio monitoring
Consistent and accurate
The same risk models you trust for credit underwriting, applied continuously across your book—so every insight is grounded in one streamlined system
Seamless and efficient
Insights delivered on a recurring cadence set by you with no extra lift on your end: no new integration, no new data feeds, no new reports to build by hand
Personalized and actionable
A dedicated Zest AI team—plus LuLu—works alongside your team, turning analysis into strategy
on demand
Proactive portfolio management at your fingertips
Traditional portfolio analysis means weeks of data pulls, bureau requests, and manual number-crunching before you get an answer. LuLu, Zest AI's lending intelligence platform, cuts that down to minutes
These insights will enable us to take measurable action to save loans from defaulting and continue to support our borrowers through their life with the loan. Having easy access to an up-to-date, smarter portfolio analysis by vintage is game-changing.
Benjamin Teske
Chief Lending Officer
FAQs
How can financial institutions use portfolio analytics to identify credit risk earlier?
LuLu's Portfolio Management module rescores your full loan book every month, instead of the quarterly cycle most credit unions run on, and flags early-warning signals automatically, like a vintage tracking worse than expected or a shift in the incoming applicant credit profile. That means risk teams can act on deterioration before it shows up as a delinquency spike.
How can financial institutions see how their loan portfolio's credit quality is shifting over time?
LuLu's Portfolio Management module can run a credit migration report showing exactly how loans moved between risk tiers over a given period, including what share of the book improved, held steady, or declined, down to the net migration direction for the portfolio as a whole. That gives your team a clear read on where credit quality is heading before it shows up in delinquency numbers
How does Zest AI's Portfolio Management differ from other portfolio management tools?
Most tools hand you static dashboards or reports. LuLu's Portfolio Management is conversational: a CLO can ask "which accounts show silent delinquency risk?" or "is our reserve coverage adequate given roll rates?" and get the answer with the reasoning behind it, with calculations you can trace.
How does Zest AI get access to my information to do Portfolio Management?
Zest AI connects directly with your CORE or LOS in order to pull data automatically. Then, you can do analysis in real time with LuLu. Note that all PII is filtered out before it ever reaches databases used by LuLu.
Who does Zest AI integrate with for Portfolio Management?
Portfolio Management currently supports Symitar, Fiserv and Keystone cores. If you're on a different core, reach out to our team to discuss options.