Case Study: Automotive Credit Corporation achieves 31% lower delinquency rates and $3M in annual savings with Zest AI

Swapping out Risky Borrowers for Good Ones

Automotive Credit Corporation (ACC), a regional auto lender serving the subprime market, sought to reduce losses by getting better insight into higher-risk borrowers. After a consultant-built scorecard proved limited, ACC selected Zest AI and its Model Management System to improve decisioning and support expansion into new territories.

Zest AI implemented a single AI-driven model that removed risky borrowers from approvals and identified previously declined applicants with stronger repayment propensities, leveraging a pre-existing integration with ACC’s Defi loan origination system. The results: delinquencies fell by 31% and ACC realized $3 million in annual savings, enabling ACC to safely expand its portfolio and serve more customers profitably.

Automotive Credit Corporation

Diana Larsh

Vice President, Risk and Analytics