China Rapid Finance is a major player in China's consumer lending market with over 27 million loans facilitated to 3.7 million borrowers. Utilizing machine learning and proprietary decisioning technology, the company aims to provide affordable digital credit to China's 500 million Emerging Middle-class Mobile Active consumers (EMMAs). The company operates a pure play marketplace and does not take credit risk. It offers smaller, shorter-term loans to start and then progresses to larger, longer-term loans to repeat borrowers who exhibit positive credit behavior, attracting and retaining high-quality EMMAs who create significant customer lifetime value. Founded by Dr. Zane Wang, a consumer credit expert with experience in China and the U.S., the company is governed by a global board of directors.