What is ZAML?

It's Zest Automated Machine Learning, and it will transform your underwriting through the power of machine learning.

ZAML® is the only machine learning credit and risk modeling solution with end-to-end explainability. It's fast, powerful, and compliant.

15% average increase in approval rates
30% average decrease in charge-off rates
3 mo. model development from start to production

Model and Data Development

  • Faster Models
    Build more powerful models, faster.

    Go from hundreds of credit and risk models to just one machine learning model with advanced ensembling per product line.

  • Leverage your data
    Leverage more of your data.

    Boost predictive power by harnessing more of your internal product and customer information. Extract more value from bureau data. ZAML models can draw insights from thousands of variables in a single credit model.

  • Keep your systems
    Don't change a thing.

    ZestFinance installs and configures ZAML tools on your systems so you can harness the power of machine learning models quickly and safely.

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Model Validation

  • Credit Expertise
    Credit expertise on demand.

    ZestFinance professionals will help your business teams evaluate and apply machine learning models that match your priorities and business goals.

  • Ongoing model performance guaranteed
    Evaluate and ensure model performance.

    ZAML tools enable your modelers and business analysts to quantify model risk and performance, and determine the safety constraints of ML models.

  • Master data science
    Innovation skill building.

    A ZAML partnership helps you create an internal practice around evaluating and explaining machine learning models for your business.

Model Validation

Model Deployment and Monitoring

  • Cloud systems or internal systems
    Use your own systems.

    ZAML models can be hosted however you like, on-premises or in the cloud, and easily integrated into your existing apps. No rip and replace.

  • Deploy and host easily
    Deploy with confidence.

    With ZAML tools and IP, you can safely operate your models using any hosting server. Output monitoring data easily to your existing BI tools for faster model development. ZAML gives you the confidence to know your model is operating as expected.

  • Agile deployment and refitting
    Stay agile.

    ZAML tools accelerate your deployment time by allowing the business teams to directly operate their own models with no recoding. You can refit and deploy new models as markets change.

Model Deployment and Monitoring

Automated Compliance

Radical
explainability.

ZAML provides you with the tools and expertise to be able to explain machine learning models at the macro model level and for every individual credit decision.

Compliance tools
to die for.

ZAML provides you with automated MRM reports, fair lending and economic impact analysis, as well as variable safety analysis and key decision factors, empowering you to take advantage of ML.

Make your
modelers happy.

ZAML automates much of the model and system reporting and monitoring, allowing your valuable data scientists to focus on higher value work.

Fair and transparent
all the way.

ZAML enables you to monitor ML models for disparate impact and other fair lending risks from model build through operation. No surprises here.

Automated Compliance

Meet with us to learn about putting 100% transparent AI to work in your lending.

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