At Qbera we believe that getting a loan should be
as fast, easy and painless
as ordering a pizza or hailing a cab.

Qbera empowers employees of more than 7,00,000 companies in India to get access to personal loans digitally. We are a technology company capable of making instant lending decisions and getting money into borrowers accounts in as little as 8 hours.

Meet our team

We are a group of skilled individuals.

Aditya Kumar

Founder and CEO

Aditya started his career as an investment banker with Lehman Brothers, London where he gained experience across mergers and acquisitions, CMBS origination and securitization. Post that he was the Chief Investment Officer of U.P Hotels in India which owns and operates a five-star chain of hotels called the Clarks Group. He has also been the Executive Director of a large export-oriented garment manufacturer which is a supplier to some of the leading fashion brands. Before founding, Aditya was the co-founder of an International Baccalaureate World School. He holds an economics degree from University of Warwick and a masters degree from Cass Business School London.

Anubhav Jain

Co-Founder and Head of Risk

Anubhav is a credit risk professional with a decade of experience in banking and consumer/small business lending at American Express and EXL across underwriting, acquisitions, customer management and loyalty functions. He has also founded two start-ups in the banking analytics and edtech domains. He holds an MBA degree from Indian Institute of Management and is also a visiting faculty at India’s top business and engineering schools.

Shelly Arora

Head of Operations and Customer Service

Shelly has over 13 years of experience in setting up and managing regional and central processing centres for banks. In her previous role at GE Capital, she was responsible for providing operations and strategy support to collection legal portfolio of credit cards. Previously she has worked with ICICI Bank. Shelly holds an MBA from IIM Lucknow.

Anuj Sachdev

VP Product

Anuj has previously founded a receivables financing platform and an inter-corporate deposit network (business-to-business unsecured lending) in India. He has also led Growth and Special Projects for Freecultr - Sequoia Capital backed lifestyle consumer internet venture and incubation of an ad receivables financing platform for SVG Media - India's largest ad network. He holds a BBA degree from Narsee Monjee Institute of Management Studies (NMIMS), Mumbai and a masters in finance from Aston Business School.

Anirudha Kurulkar

VP Digital Marketing

Anirudha is a digital marketing expert with over 15 years of experience across SEO, social media, web design and managing online marketing campaigns. In his previous role he was the Director of Digital Marketing for a leading England based digital marketing agency.

Alok Chaubey

Head of Sales

Alok has over 11 years of experience across financial services, internet and retail industries. His last assignment was with TransUnion CIBIL - India’s leading credit bureau, where he headed Fintech and Microfinance vertical. He has advised many of the top financial institutions on designing analytics based credit models. Prior to TransUnion CIBIL, he was part of the founding team of where he looked after all aspects of the business across product, business development and operations. Alok has an MBA from Nottingham Trent University.

Avinash Gore

Data Architect & Analytics

Avinash is an analytics expert with 12+ years of experience in data modelling and big data analytics across Infosys, Mindgate and Avhan Technologies. Avinash is responsible for the design and development of the data architecture of Qbera Loan management system.

Saba Kazi


Saba is a UI/UX expert with 7+ years of experience as a full stack developer. She holds a masters degree in Human Computer Interaction from Carnegie Mellon University and is responsible for the design of

Anand Hariharan

Co-Founder and Head of Engineering, LendFoundry

Anand has over 25 years of engineering and product development experience across Focus Frame, Yodlee, AT&T and Mastek. He is the chief architect of Lendfoundry - fintech stack that powers some of the largest online lenders in US like Loan Depot, Lending USA, Quickbridge, Rocket Loans, Realty Mogul.

Sandeep Phophaliya

Director, LendFoundry

Sandeep heads business at Lendfoundry and has more than 15 years of experience across software development, sales and partnerships in various capacities.

Anubha Phophaliya

Director, LendFoundry

Anubha is one of the founding members of the Finacle team at Infosys and brings over 20+ years of experience in software development and business analysis.


We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.50,000 to Rs.7,50,000. APR ranges from 14% to 24%. Loan lengths range from 12 to 48 months. Administration fee ranges from 2% to 4%.

* Subject to Risk Profile

Phone: 1800 4198 121
Whatsapp:+91 89719 28484
1st Floor, Wolfpack Workspaces,
#39, 8th Main Road,
Vasanth Nagar.
Bangalore 560 052

© 2016 Qbera | All Rights Reserved