We’re an international team with expertise in microfinance, data science, behavioural economics and human-centred design.
We started Rubyx in 2019 to revolutionise the way informal entrepreneurs and small businesses access working capital for income generating activities. We believe that everyone, everywhere deserves fair financial services.
We learn directly from the people we're designing for
Meet our team
Crazy about data, serious about people
We're on a mission to address the fundamental challenges of lending to micro, small and medium enterprises (MSMEs) in informal economies and contribute to reducing the credit gap.
Dare to be different
We challenge the status quo. We’re passionate game-changers and pioneers, shifting the way others think and do things.
No one has all the answers
We embrace a culture of humility and continuous learning. We’re empathetic listeners to the ambitions and aspirations of our partners and stakeholders.
Fair opportunity for all
We treat everyone with the common decency we all deserve. Our credit scoring engine detects bias and we rebalance our datasets for the most inclusive algorithms.