Zest AI is a fintech company focused on building AI and ML products for better credit underwriting. The company’s vision is to promote fair and open lending, improving decision-making for banks, credit unions, and other lenders, while widening the pathway to fair financial outcomes for a broader range of borrowers. Here’s a brief overview of Zest AI’s company profile.
Zest AI is a US-headquartered fintech company that is driving change in the lending industry through AI-enabled software that addresses credit decisioning, fraud detection, and portfolio management issues. By providing banks, credit unions, and specialty lenders with the best tools, Zest AI is promoting faster, more precise and more effective credit decisions that enhance access to credit for underserved communities.
With over a half-dozen patents, it combines machine learning with deep financial insight to improve accuracy, automation, and explain credit models. Zest AI is working with existing underwriting processes and creating new tools, including LuLu (the first generative AI tool for underwriting), to help institutions cope with uncertainty in the market and make better, more precise, and more data-driven business decisions.
| Legal Name | ZestFinance, Inc |
| Headquarters | Burbank, California, United States |
| Business Model | B2B |
| Founding Date | 2009 |
| No. of Employees | Approx 192 (As of 2025 ) |
| Mike de Vere | Chief Executive Officer |
| Dan Chiazza | Chief Operating Officer |
| Sean Kamkar | Chief Technology Officer |
| Marc Levin | Chief Administrative Officer & General Counsel |
| Esther Kahng | Head of Public Policy and Chief of Staff |
| Aaron Long | Head of Business Development |
| Patti Mancini | Head of People Operations |
| José Valentin | Head of Strategic Partnerships |
| Adam Kleinman | Head of Product and Strategy |
| Curtis Wagner | Head of Client Engagement |
Zest AI generates revenue by selling their AI- powered software and technology services to financial institutions, including banks, credit unions, and other lenders. Core revenue streams that generate cash flow include Software-as-a-service (SaaS) products, licensing fees for their programming, and associated services that amplify, automate, and scale credit underwriting and risk decisioning.
Client Segments: Financial Institutions, including Banks, Credit Unions, Specialty and Non-bank Lenders, and Fintech Companies.
Target Companies: Credit Unions, Mid-sized Banks, Large Lenders, and Financial Technology Startups.
Target Geography: Primarily the United States, with potential for international expansion via platform integrations.