Founded in 2015, IceKredit is a high-tech company providing business-level services with its cutting edge Artificial Intelligence technologies. After several years of development, IceKredit has become a leading AI service provider with a focus on credit risk management for both individuals and financial institutions. Headquartered in Lujiazui, Shanghai, the company's business covers the United States, Singapore, Thailand, Malaysia, Vietnam, Indonesia, Australia and other places. At present, the total investment has exceeded 1 billion yuan.


Lingyun GU is the founder of IceKredit. He received his PhD degree in Computer Science at Carnegie Mellon University. Currently, he also holds a board member position in Guilin Bank. Additionally, Dr. GU is the Investment Partner of Frees Fund and works as an Affiliated Professor at University of California Irvine, Southeast University as well as University of Electronic Science and Technology of China (UESTC). Meanwhile, he also serves as an entrepreneurship mentor at Nanjing University. Dr. GU has achieved outstanding accomplishments both domestically and internationally such as innovative talents of the Ministry of Science and Technology, scientific and technological workers who have made outstanding contributions to the 30th anniversary of the development and opening up of Pudong Shanghai, Doctor of Entrepreneurship and Innovation of Jiangsu Province, Winner of Nanjing Zijinshan Talent Summit Program, Nanjing Innovative Entrepreneur, Ram Charan Management Practice Award of Harvard Business Review, List of Global Science Entrepreneurs 2020, 100 Tech Pioneers-overseas Returnees, and Top 100 Industrial Innovators in China. As one of the most experienced experts in AI and finance field, Dr. Gu has obtained numerous patents both in China and the United States and published dozens of academic writings in international journals. Before he founded IceKredit, he worked as the head of modeling team of ZestFinance and served as the Chief Scientist at Kabbage. He also has experience in working for IDG-Accel Partners as an Entrepreneur in Residence (EIR) and Investment Advisor before he came back to China.

Core Members

IceKredit’s core members have highly competitive backgrounds, graduated from Carnegie Mellon University, the University of Chicago, Purdue University, New York University, Stevens Institute of Technology George and Washington University, etc. Before joining IceKredit, they held key positions in the benchmarking companies such as Microsoft, Kabbage, ZestFinance, Lending Club, Capital One, Discover, GE Capital, Barclays, Ant Financial Services Group, Tencent and Baidu.

Awards & Recognition

IceKredit has been recognized by many awards including being selected as a People's Bank of China "Regulatory Sandbox" pilot, CB Insights Global Fintech Top 250 for two consecutive times, KPMG China Leading Fintech Companies Top 50 for six consecutive years, Davos AI 50, Forbes China's High-growth Gazelle Enterprises and IDC China Leading Fintech Companies Top 50.

IceKredit has established business relationships with nearly thousand famous domestic and overseas fintech and traditional financial companies, such as Singapore's OCBC Wing Hang Bank, United Overseas Bank, Thailand's Siam Commercial Bank, Visa, Bank of China, Industrial & Commercial Bank of China, Bank of Communications, Agricultural Bank of China, China Construction Bank,Postal Savings Bank of China,Home Credit Consumer Finance, ZhongAn Insurance and so forth. Empower finance with science and technology, IceKredit promotes high-quality development of the financial industry with AI technology, realize intelligent transformation, and help realize inclusive finance.