Swapping out Risky Borrowers for Good Ones Lowering delinquency rates helped to safely expand their portfolio AI Advantage More data, better math, and smarter software delivers better results for every lending objective. “Zest’s model is mathematically superior to the scorecard produced by our consultants” Diana Larsh VP, Risk and Analytics $3M In annual savings 31% Lower delinquency rates Copyright © 2020 Zest AI ? www.zest.ai — hello@zest.ai A regional automobile finance company focused on the subprime market, Automotive Credit Corporation (ACC?, was looking to reduce losses. ACC specializes in providing credit to higher-risk borrowers, and knew that getting more and better information on those borrowers would enable better lending decisions. ACC hired a consultant to develo

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