Ari Malik doesn’t spend much time worrying about AI hype cycles. While Silicon Valley debated the philosophy of artificial general intelligence, Malik was building something far more sustainable, prosaic—and profitable—from his bedroom: a system to help repo men and loan officers collect debt. Alongside co-founder Mukund Tibrewala, Malik set out to automate one of the most grueling, regulated, and high-turnover corners of finance. Two years later, that focus has paid off. Malik is now the CEO of...