In this episode of The Lobster Talks, I sit down with Roberto Salcedo—co-founder and CEO of Baubap, a Y Combinator-backed fintech that’s reshaping consumer lending in Mexico. Discover how Roberto’s team grew Baubap from a scrappy $3M seed round to generating $100M+ in revenue by building everything in-house and leveraging AI years before it was mainstream.



What You’ll Learn

- The early product decisions that fueled explosive, profitable growth

- How Baubap uses AI to underwrite loans and keep default rates low

- Why building core systems from scratch can create a massive competitive edge

- Navigating funding, profitability, and future expansion plans (including a regional banking license!)

- Lessons learned from YC, plus powerful advice for fellow entrepreneurs



If you’re fascinated by fintech, AI, or just want an inside look at an incredible founder journey, you don’t want to miss this!



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