Yirendai Ltd. is a leading fintech platform in China that connects individual borrowers with investors seeking credit assets. Established in 2015 as a spin-off of Lufax Holding Ltd., Yirendai leverages advanced technology and data analytics to facilitate consumer finance transactions. The company operates a fully integrated online ecosystem, encompassing loan origination, risk management, servicing, and collection, all supported by proprietary credit models and automated underwriting tools.
The company’s core offerings include personal installment loans, auto refinancing products, and joint lending programs designed to cater to borrowers across a wide spectrum of credit profiles. By deploying big-data algorithms, machine learning techniques, and multidimensional credit scoring, Yirendai aims to evaluate risk more accurately, optimize loan pricing, and enhance approval efficiency. On the investor side, the platform provides diversified notes, pooled products, and structured credit assets, enabling institutional and retail investors to tailor their risk-return preferences.
Operating primarily in China, Yirendai serves customers in over 2,000 cities and counties, ranging from Tier-1 municipalities to emerging urban and rural markets. The company’s digital infrastructure supports mobile and web channels, offering a seamless application process and real-time account management. Through partnerships with major commercial banks, insurance providers, and payment processors, Yirendai ensures compliance with regulatory standards and promotes greater transparency in consumer lending.
Yirendai’s leadership team combines extensive experience in finance, technology, and risk management. Under the guidance of CEO Jing Yin and a board featuring executives from Lufax and the broader Ping An Insurance Group, the company continues to innovate its product suite, strengthen underwriting capabilities, and expand its market reach. Yirendai remains committed to delivering responsible credit solutions and sustainable growth in China’s evolving consumer finance landscape.
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