Zest AI

Zest AI builds machine learning models for credit underwriting, application fraud detection and portfolio risk, used by credit unions, banks and specialty lenders. The goal is to approve more borrowers while keeping risk level and decisions explainable.

Underwriting models automate explainable lending decisions, while fraud detection screens applications in real time using a wide set of data signals. LuLu, its lending intelligence assistant, surfaces insights for strategy and portfolio performance.

Use cases run across the lending cycle: finding opportunities in an existing portfolio, catching suspicious applications, underwriting and ongoing risk monitoring. Zest AI works with a network of partners in lending technology, and pricing is set with sales.