Qbera is a managed marketplace for unsecured personal loans that leverages tech-enabled acquisition, underwriting and loan processing capabilities to offer credit products co-created with banks that are part of Qbera's multi-lender network. Such origination of assets against a bank’s liabilities is performed in a hybrid lending model wherein Qbera shares some of the risk with the bank. Banks and NBFCs plug their balance sheet into Qbera to tap into new customer segments using Qbera’s programmatic lending solution and benefit from lower operating expense, data-driven underwriting and credit decisioning, reduction in turnaround time, no cost of customer acquisition, proven technology and increase in profitability. Qbera has capabilities across the lending lifecycle: 1. Acquisition: We have an omni-channel borrower sourcing funnel that taps into best-in-class digital acquisition strategies and tech-enabled offline partners. We operate a Lending-as-a-Service (LaaS) model for our customer acquisition partners which enables them to offer credit products to their customers. 2. Underwriting: Validated risk strategy and scorecards that are hosted on sophisticated data-driven rules engine. Extending access to credit to salaried employees of more than 7 lakh companies. 3. Fulfilment: Paper-less delivery of loans. Digital verification of residence, income and employment for majority of borrowers. 4. Servicing: Proprietary Loan Management System (LMS) with a powerful customer relationship management platform for automated/self-service along with a dedicated contact center team. 5. Collections: Data-driven early warning systems that track and provide flexibility to stressed borrowers for them to remain financially buoyant.