ZestFinance
Financial ServicesCalifornia, United States11-50 Employees
ZestFinance is a financial services company that applies machine learning to lending to improve profitability and risk management. Its ZAML platform provides explainable AI for credit decisions and automates risk management so lenders can extend credit more safely and to a larger pool of borrowers. By leveraging extensive data, the system aims to better identify creditworthy applicants, supporting higher repayment rates for lenders and potentially lower-cost credit for consumers. It targets lenders and financial institutions worldwide, providing tools to improve underwriting decisions through data-driven methods. Located in Burbank, California, it was founded in 2009 by Douglas Merrill, who previously served as Google's chief information officer. The firm operates within the fintech landscape by combining data science with credit assessment to enhance decision accuracy.
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