Zest AI makes the power of machine learning safe to use in credit underwriting. Lenders using Zest Automated Machine Learning make better decisions and better loans -- increasing revenue, reducing risk, and automating compliance. Zest AI was founded in 2009 with the mission of making fair and transparent credit available to everyone and is now one of the fastest-growing fintech software companies. The company is headquartered in Los Angeles, California. Using more data, better math, and smarter software, lenders can safely expand credit access through more accurate risk prediction, faster credit decisions, and more inclusive lending. Zest clients typically see a 20% to 30% increase in approval rates with no added risk. Zest clients typically see a 30% to 40% reduction in charge-offs or defaults with constant approvals. Zest clients typically see their automation rates rise fivefold by switching to an AI model.

Zest AI has been perfecting AI for consumer lending decisions since 2009. Our Model Management System helps lenders make better decisions and better loans—increasing revenue, reducing risk, and automating compliance. Our mission is to make fair and transparent credit available to everyone and our software creates some of the most inclusive risk models in the industry. Using Zest-built machine learning software, financial institutions can dramatically expand credit access to deserving people with no added risk.