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How To Make More Money Lending With Machine Learning


Jay Budzik, Chief Technology Officer, ZestFinance


AI and machine learning (ML) are sweeping through financial services, transforming how banks handle customer service inquiries and process automation. But the real gains from ML are yet to come once banks and lenders adopt machine learning in the core of their business: underwriting. In this webinar, you’ll find out why ML is so powerful in underwriting and how to use ML to increase the accuracy of your credit models, allowing you to approve better borrowers (by up to 15%) and reject more bad ones across the full range of applicants. Some banks that have dabbled in ML have struggled to explain their models, making it impossible to use them safely. In this webinar, you’ll learn about new algorithms that are making these formerly “black-box” models just as transparent and safe to use as legacy scoring techniques. If you want to understand how ML can power more profitable models while satisfying regulatory requirements, model risk management, and ongoing model monitoring, then this is the webinar for you.



  1. Why Machine Learning produces better underwriting results
  2. The death of the “Black Box” and the difference between fake and real explainability
  3. Using ML to satisfy the needs of regulators, compliance officers, and the business


  1. A path to more profitable underwriting
  2. A path to more efficient credit and risk operations
  3. A deeper understanding of a tech trend poised to transform your industry 

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Jay Budzik

Chief Technology Officer, Zest AI

Jay Budzik is the CTO at ZestFinance, where his role is to invent new technologies, particularly in data mining and AI. He earned a Ph.D. in Computer Science at Northwestern and founded a company that brought AI-based search to enterprises. In his career, he has helped major media organizations apply AI & machine learning to expand their audiences and grow revenues, and developed systems that process tens of trillions of data points. He’s one of those people who thinks data is cool and that more data is always better.


01/29/2019 at 2:00 PM (EST)   |  60 minutes
01/29/2019 at 2:00 PM (EST)   |  60 minutes Please click the button to the right to join the webinar.