Guest bio
- Founder and CEO of Yubi, the AI-powered operating system for the debt life cycle, from lending to collections.
- Spent nearly a decade at Northern Arc Capital, rising to chief business officer and CEO of its investment advisory arm.
- Co-founded Vivriti Capital in 2017, then founded CredAvenue in 2020, which became a unicorn in 2022 and was renamed Yubi.
Gaurav Kumar, known as GK, is the founder and CEO of Yubi, the AI-powered operating system for the debt life cycle, from consumer and SME lending to supply chain finance, securitisation, underwriting and collections. A Delhi University graduate with an MBA from IRMA, the Institute of Rural Management Anand, he spent nearly a decade at Northern Arc Capital, rising to chief business officer and CEO of its investment advisory arm. He co-founded Vivriti Capital in 2017 and Vivriti Asset Management in 2019, and in 2020, during the pandemic, founded CredAvenue, which became a unicorn in 2022 with a $137 million Series B led by Insight Partners and was later renamed Yubi. Yubi has facilitated over $38 billion in debt for more than 17,000 enterprises and 6,200 lenders and investors, and is expanding into Southeast Asia, the US and the Middle East.
Show notes
What happens when credit becomes invisible, intelligent and truly embedded into our daily lives? In this episode of Money Majlis, Suvo Sarkar sits down in Dubai with Gaurav Kumar (GK), founder and CEO of Indian unicorn Yubi, the AI-powered operating system for debt markets. Together they unpack how a company born in Chennai during the pandemic is quietly rewiring how money moves for consumers, MSMEs and banks from India to MENA, Southeast Asia and now the US.
The conversation begins at 30,000 feet, with the global revolution in consumer and personal lending. GK explains why finance is no longer about walking into a bank branch or opening a banking app, but about credit showing up instantly and non-intrusively inside the storefronts where customers actually live: e-commerce checkouts, ride-hailing apps, dealer showrooms and payroll platforms. He breaks down how advances in digital identity, India’s public digital rails and AI-led underwriting now allow pre-approved loans to move in as little as 9-12 seconds, and why that changes the ethics, risks and responsibilities of lenders forever.
From there, the discussion dives into India’s consumer credit boom and the unfinished business of financial inclusion. GK unpacks how India's household debt-to-GDP ratio of just 38% signals not prudence but enormous untapped potential, and why the next decade will see credit distributed far more evenly across a market that has historically served only thick-file, collateral-rich borrowers. He explains how Yubi’s architecture, co-lending rails and AI tools help banks serve these segments at lower cost while preserving prudence through explainable, auditable models and tighter bureau data cycles.
Then there is the founder's story. Why he built through the pandemic, why he deliberately rejected the marketplace model to keep his allegiance to lenders, and why he has personally staked over $39 million of his own capital in Yubi - a signal of commitment to clients, not a funding shortfall. GK shares his near-death moments of self-doubt, his IRMA-rooted belief that access to finance should be a fundamental right, and his ambitions across the Middle East, Southeast Asia and the US, where Yubi already partners with more than 30 banks in MENA.
Warm, candid and rich with insight, this is a masterclass for credit geeks, fintech founders, bankers and anyone curious about how money really moves behind the scenes. GK also reveals a hidden talent that catches even Suvo off guard.
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