lendingcredit scoringartificial intelligence/machine learning

LOCATION: United States
Last Update: 01/05/2020

Subscribe to the MEDICI Inner Circle Membership and gain access to an exclusive WhatsApp community where you can engage in discussions with global industry experts!


The worlds most innovative lenders rely on ZestFinance to do more profitable lending through machine learning. Our Zest Automated Machine Learning (ZAML) software is the only solution for explainable AI in credit, and we automate risk management so our customers can focus on lending safely to more people. Our mission is to make fair and transparent credit available to everyone, and we thrive on solving hard problems that have a big impact on people's daily lives. Applying Google-like math to improve credit decisions, we use machine learning and data science to help companies make more accurate credit decisions. The company was founded in 2009 by Douglas Merrill, who was formerly CIO at Google. Currently, ZestFinance is one of the fastest growing U.S. financial technology startups. We built ZAML to accelerate our mission by powering credit and underwriting at global financial firms. ZAML consumes vast amounts of data to more accurately identify good borrowers, enabling higher repayment rates for lenders and lower-cost credit for consumers. ZestFinance is determined to hire crazy smart people who are different from each other to create broad thinking, lots of different ideas, and by extension, build the best team possible. Were growing fast, and were looking for exceptional, caring, Zesty people to join our team. Our culture is special to us, and were proud of it. We thrive on diversity in our workplace, and we offer awesome benefits. If you want to solve hard problems and make peoples lives better, talk to us!

MEDICI Analysis

ZestFinance develops big data underwriting technologies to give lenders a better understanding of risk. They have reinvented underwriting, enabling more accurate credit decisions, increased credit availability for borrowers and higher repayment rates for lenders. ZestFinance’s technology identifies good borrowers in the near-prime credit segment where traditional credit scores indicate lower credit quality, giving the company’s Basix loans the ability to serve borrowers overlooked by banks.



Credit Underwriting services for lending platforms It helps to get accurate credit decisions, increased credit availability for borrowers and higher repayment rates for lenders.


The company follows transaction-based revenue model.


Basix loan


Partnered with JD.com - expand services to china retailers


Zestfinance provides online loans to individuals whose credit scores won’t allow them to qualify for a bank loan.



$250 M in 2015

Join the exclusive global FinTech community

Be a part of the global FinTech community on WhatsApp