We are the global leader in debt support and risk mitigation

Our Story

Launched with the vision of making collections, simpler, faster and easier with diginity to the borrower, spocto was founded by Sumeet Srivastava and Puja Srivastava in 2017.

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Collections
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Simpler
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Faster
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Easier
Directors on our Board
Directors on our Board
Gaurav Kumar Non-Executive Director

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.

Irfan Basha Shaik Mohammed Non-Executive Director

Irfan Mohammed is the Chief Business Officer- Financial Services -Yubi and a Founding Member of the Vivriti Group. Instrumental in conceptualising and implementing the concept of Yubi marketplace, he has driven its adoption, since inception and scaled it to the current INR 65,000 Cr+ volumes. Irfan has led and pioneered debt raise  and due diligence for over 300 FIs across multiple asset classes over the last 12 years.

He has led many first of its kind and innovative debt structures for emerging asset classes and NBFCs. He has a deep expertise in credit underwriting, structured finance products, fintech solutions, co-lending strategy  and NBFC-banking partnerships.  As an industry expert, Irfan has spoken at various forums such as MFIN, Sa-dhan, NABARD, Rating agencies and CFA Society.  Prior to Vivriti, Irfan was the Partner and Head of Small Business Loans and Housing Finance at Northern Arc. He has completed his Masters in Business Administration from IRMA and masters in commerce from Osmania University and is also a CFA charter holder.

LIFE at spocto

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We are a Yubi Company

Yubi is the world’s first possibility platform, re-defining global debt markets by freeing the flow of finance between borrowers, lenders, and investors.

Our Achievements

Processed loans worth USD 25 billion in FY 22

Collection from 35 million accounts in FY 22

Established presence in the MENA market

First global office established at Dubai in FY 22

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