ZAML® software and tools let you put advanced machine learning models into production quickly to improve your ability to segment good credit risks from bad.
Reach New Customers
It’s harder than ever for lenders to grow their business. The growth out there is in the thin- or no-file consumers: millennials, immigrants, and young adults entering the workforce. Our machine learning models are better at accurately assessing these overlooked customers.
Reduce Your Risk
ZAML tools help you build models with much higher precision so you can eliminate bad borrowers and slash charge-off rates while keeping approvals steady.
Cross-Sell More Effectively
With ZAML, you can responsibly add new customer segments to your lending programs by accurately monitoring credit risk in segments that confound traditional scoring methods.
Reduce losses and default rates for riskier segments by 20% or more
Expand into previously untapped markets
Price and assess risk better
Analyze the creditworthiness of each borrower with more predictability than ever before
Empower your team
ZAML automates all the model risk management work, so your data team can focus on modeling.
Build ZAML models on the systems you already use
Explore infinite possibilities
Use ZAML to build machine learning models for underwriting, MRM, marketing, and much more
Zest worked with a major European bank to build a personal loans credit model that identified $500 million in credit expansion in the first year. Find out how we can transform your business, too.