Machine Learning For Underwriting That Works

ZAML® is the only way to get your ML models from the lab to production. Reduce losses. Increase approvals. Fast. 

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Find more good customers and fewer bad ones.

ZAML customers see a 15% average increase in approval rates with no added risk. And you can go live in 3 months, a new industry benchmark.

No black boxes here.

Your model + ZAML get you quickly into production with 100% explainability. We automate the risk management so you can focus on great modeling.

Use more of the data you already have.

ZAML models can combine thousands of variables for deeper insights. It works on-premise or in the cloud. No rip and replace.

Identify millions of new creditworthy borrowers

Machine learning works. Zest Automated Machine Learning (ZAML) customers are seeing 15% increases in approval rates with no increase in defaults. You get performance, compliance, and all the transparency you need to satisfy lending regulations.

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Real Results


decrease in charge-off rate for a major subprime auto lender

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33 decrease in charge offs


credit expansion for a top 10 credit card provider over 2 years

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$800 million dollars credit expansion

Better approval rates and loss reduction for Ford Credit

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Discover how machine learning can transform your underwriting

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Meet with us to learn how your business can grow with machine learning

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