The Lending OS built for modern credit teams
From loan origination to portfolio servicing to intelligent collections — Yubi's Financial OS powers the full credit lifecycle for modern lenders, faster to deploy, easier to configure, and AI-native from Day 1.
Three platforms. One credit lifecycle
Yubi's modular Financial OS covers every stage — from application intake to final repayment. Deploy one, or all three.
Loan Origination System (LOS)
Powering Your Underwriting
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Loan Management System (LMS)
Mastering Your Portfolio
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Collections Platform
Intelligent Debt Recovery
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Loan Origination System (LOS)
Powering Your Underwriting
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Loan Management System (LMS)
Mastering Your Portfolio
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Collections Platform
Intelligent Debt Recovery
- AI-powered application intake
- Automated credit decisioning
- No-code rules engine
- Bureau & alt-data integrations
- Multi-channel origination
Built for billions.
Designed for trust
Yubi has powered 80% of India's largest financial institutions through billions of transactions. Now bringing that precision, scale, and intelligence to the US.
Fastest Go-Live
Deploy in days. Our microservices arch holds the record for fastest LOS
AI at the Core
AI-native from day one - trained on 400M+ data points. Not a wrapper. Built ground up
API-First
Deploy in days. Our microservices arch holds the record for fastest LOS
Enterprise Compliance
Deploy in days. Our microservices arch holds the record for fastest LOS
Proven at Scale
Deploy in days. Our microservices arch holds the record for fastest LOS
Modular Deploy
Deploy in days. Our microservices arch holds the record for fastest LOS
One OS. Entire credit lifecycle
Yubi OneOS connects every layer from lead capture to final repayment - on a single intelligent platform
Originate
Digital-first applications. AI pre-qualification. Configurable rules engine. Multi-Channel intake
Manage
Full portfolio lifecycle: disbursals. repayment schedules, GL integrations. Servicing dashboards
Monitor
Predictive risk analytics. FunnelAI drop-off analysis early delinquency signals, reporting
Collect
AI collections: behavioral segmentation, omnichannel, automated payment plans, FDCPA-ready
Integrate
Universal API layer, CBS, Bureau, KYC, Fraud, eSign, ACH, 3rd-party services - One connection
Originate
Digital-first applications. AI pre-qualification. Configurable rules engine. Multi-Channel intake
Manage
Full portfolio lifecycle: disbursals. repayment schedules, GL integrations. Servicing dashboards
Monitor
Predictive risk analytics. FunnelAI drop-off analysis early delinquency signals, reporting
Collect
AI collections: behavioral segmentation, omnichannel, automated payment plans, FDCPA-ready
Integrate
Universal API layer, CBS, Bureau, KYC, Fraud, eSign, ACH, 3rd-party services - One connection
Lending, upgraded.
AI that improves credit outcomes
YuVerse is Yubi's AI intelligence layer — powering every product with OCR analysis, predictive scoring, and conversational AI. Trained on 400M+ data points
YuAccess
OCR & Doc Parsing
Sub-1-sec bank statement analysis. 260K+ docs parsed. 50M+ pages via OCR
YuVoice
Conversational AI Bot
NLP voice bot for inbound. 50k calls/day. 40% agent load reduction
YuAlt
No-Code ML/Fraud
Credit risk & fraud detection. 30% lift in approval rates vs baseline scoring
YuScore
Behavioural Scoring
Demographic + behavioural model. Drives 30% improvement in collection efficiency
YuCi
Agent Assist ASR
Real-time conversational analytics and agent guidance on live calls
YuSight
AI Credit Memo
Gen AI-powered CAM generation. Cuts underwriter review time by 60%
3M+
Customers Scored
50K
Calls/day via voice
260K+
Docs parsed
0.1%
failure rate
200TB+
Data Processed
Trusted by institutions that move markets
60+
Banks
Including India's & Middle East's largest public private & international banks
130+
Financial Institutions
NBFCs, insurance firms, fintechs, e-commerce & corporates
$20Bn+
Transaction Volume
Across lending, collections & securitisation products
Payment Aggregator → $100M/mo
A fintech with 65M+ users launched personal loans across 3 lenders in < 6 months via single integration
Read Case Study
Large Private Bank - 15-20% cost reduction
Deployed AI collections across 8+ channels. Advanced analytics mapped agent-to-borrower propensity to pay
Read Case StudyPrivacy at core.
Security at forefront.
Enterprise-grade security designed to meet the rigorous requirements of regulated US financial institutions.
Ready to redefine your lending stack?
Join the institutions that chose speed, intelligence, and scale. Yubi is now accepting US market partners