Transparency is the cornerstone of an efficient and fair debt collection ecosystem

At YuCollect, we believe that transparency is the cornerstone of an efficient and fair debt collection ecosystem, benefiting allocators, borrowers, regulators, collection agencies & agents alike

For this we bring to you YuCollect - Unified Collections Infrastructure

Our story

YuCollect was founded on the principle that transparent and ethical practices are essential for effective debt collection. By building a unified, technology-driven platform that connects all stakeholders—including allocators, agencies, agents, and regulators—we empower each to operate with integrity, accuracy, and compliance. This alignment fosters trust, reduces disputes, enhances recovery rates, and transforms debt collection into a sustainable, equitable process across India.

Our mission: to unify the collection infrastructure

Our platform serves as the Unified Collections Infratructure for discovery, execution, and compliance in debt collection. Through YuCollect, lenders (allocators) can discover a range of collection vendors, evaluate their geographical reach, and access competitive pricing for diverse collections needs. Rating, Ranking & Reviews Meanwhile, collection agencies gain SaaS tools to drive Data Risk less, intelligent, automated, and compliant operations.

With YuCollect, allocators and vendors share a single, transparent view of each transaction on the ground, ensuring clarity and accountability. For vendors, we offer business growth opportunities, training, and compliance support. For allocators, we enable cost-effective vendor discovery, technology integration, and end-to-end compliance, raising the standard for control, compliance, and performance in India’s debt collection industry.

Yubi Group
YuCollect is a part of Yubi group which is the world’s only technology company powering the end-to-end debt lifecycle.

Founded in 2020 by CEO, Gaurav Kumar, Yubi’s technology infrastructure, risk evaluation, and collections platforms facilitate every stage of the flow of money from lenders to borrowers and back to lenders.

The company is backed by esteemed investors like Peak XV, Lightspeed, Lightrock, TVS Capital, B Capital Group, Dragoneer Investment Group, and Insight Partners, among others. Today, Yubi facilitates over ₹1,40,000 Cr in debt volumes, serving 17,000+ enterprises and 6,200+ investors & lenders while reducing collections costs by 57%.

With a mission to deepen the debt market and democratize capital flow, Yubi is transforming the financial landscape, fostering inclusivity, and building a transparent and responsible ecosystem for all.

Our Team

Know more about our leadership team

Gaurav Kumar
Gaurav Kumar

Founder and CEO - Yubi Group

Gaurav Kumar is the Founder and CEO of Yubi Group, the world’s only technology company powering the end-to-end debt lifecycle. Since 2020, he has led Yubi’s mission to transform India’s debt markets, facilitating over ₹1,40,000 Cr in debt volumes, connecting 17,000+ enterprises and 6,200+ lenders, and driving financial inclusion.

With 18+ years in India’s financial sector, Gaurav has pioneered solutions like asset-backed securitization for microfinance and co-founded Vivriti Capital and Vivriti Asset Management before Yubi.

Under his leadership, Yubi Group has expanded with platforms like Accumn, Spocto X, and Aspero, reinforcing its impact on India’s financial ecosystem. Recognized as part of Fortune India's 40 Under 40 list of 2022 and awarded Businessworld Young Entrepreneur (2020), Gaurav holds an MBA from IRMA and a Bachelor’s degree from Delhi University.

Bhavin Parekh
Bhavin Parekh

Co-Founder- Yucollect

Bhavin is a seasoned expert in Analytics for Debt Management, specializing in building advanced models using Machine Learning (ML) and Artificial Intelligence (AI) to drive collections automation. With over 15 years of experience in Risk and Debt Management within the BFSI sector, Bhavin has consistently delivered innovative solutions to complex challenges.

He has successfully managed large teams of over 5,000 employees and overseen diverse portfolios spanning all product types, from small-ticket unsecured loans to big-ticket secured loans. Bhavin's career encompasses leadership roles across banks, BPOs, and startups, showcasing his versatility and deep industry knowledge.

At YuCollect, Bhavin brings unparalleled expertise and a forward-thinking approach to revolutionize debt management through technology.

Gaurav Kumar
Puja Srivastava

Cheif Strategy Officer - YuCollect

Puja is a trailblazing tech innovator with nearly three decades of experience, revolutionizing industries like debt collection through groundbreaking technology. Her career includes over a decade in the USA, contributing to transformative projects for Fortune 500 companies. Notably, she developed the Indian Parliament's first website at NIC and pioneered self-service credit card implementation at GE.

With a BSc in Electronics (Hons), an MCA, and an MS in technology fields, along with certifications in Six Sigma and Apple Tech Education, Puja specializes in serverless computing, AI, and financial behavioral analytics while prioritizing ethical and compliant practices.

Recognized as Women Achiever - Technology in 2021 and 2022, Puja is deeply committed to creating last-mile employment opportunities in financial services and driving impactful societal change.