Gaurav Kumar is the founder of Yubi - world’s first unified credit platform. His vision for Yubi is to transform India’s institutional debt market through technology. Set to revolutionise and deepen debt markets, the platform’s end-to-end comprehensive suite of debt products helps in seamlessly connecting borrowers with institutional lenders and investors to facilitate debt offerings easily and efficiently. He is a veteran of more than 15 years in the Indian debt market. A serial entrepreneur who has many firsts to his credit – from opening Indian Asset-Backed Securitization (ABS) to microfinance, unsecured business loans, and scaling up over 10 structured finance products during his career.

He has served as the Chief Business Officer of Northern Arc Capital (erstwhile IFMR Capital), and as the CEO of Northern Arc Investment Adviser Services, before co-founding Vivriti Capital and Vivriti Asset Manangement. Gaurav is also on the advisory board of fintech and consumer tech companies in India and Europe and advises the management on digital strategy and business plans. He is a member of the National Committee on Financial Inclusion and FinTech 2021-22. He has completed his master’s degree in business administration from IRMA (Institute of Rural Management Anand) and his bachelor’s degree from Delhi University.