Yirendai (YRD) is a leading online digital consumer financial service platform in China. Established in 2012, the company has built proprietary technologies by intelligently using variety of data and machine learning techniques to power mobile loan app, credit decisions and underwriting, customer acquisition and services. Yirendai has provided more than $5B USD credit to consumers through its advanced online credit underwriting solution and helped close to 1 million individual investors to invest in high quality loans. Yirendai (YRD) is the first publicly listed fintech company from China.