Aditya Kumar

CEO

Bengaluru, Karnataka, India19 yrs 3 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Second-time fintech founder with successful exits.
Expert in embedded credit solutions and fundraising.
Proven track record in consumer lending growth.

Stackforce AI infers this person is a Fintech entrepreneur with expertise in embedded credit and consumer lending.

Contact

Skills

Core Skills

Business StrategyFintechCorporate FinanceBusiness DevelopmentManagementInvestment Banking

Other Skills

Consumer LendingDigital LendingDue DiligenceECMEmbedded Credit ProductsFinanceFinancial ModelingFundraisingInvestmentsM&AMergers & AcquisitionsOperationsP&L ManagementPartnership DevelopmentPartnership Management

About

2nd time Fintech founder. Innovating to make embedded, affordable, transparent credit more accessible. Built, scaled and sold Qbera to InCred. Passionately learning about risk management.

Experience

Entrepreneurs' organization

Member

May 2022 – Present · 3 yrs 10 mos · Bengaluru, Karnataka, India

Niro

Founder & CEO

Apr 2021 – Sep 2025 · 4 yrs 5 mos · Bengaluru, Karnataka, India

Niro helps leading consumer internet platforms become fintechs through white-labelled, embedded credit products. Raised $20mn of capital from Elevar Equity, GMO Venture Partners, Rebright Partners and others.

FundraisingEmbedded Credit ProductsBusiness DevelopmentBusiness StrategyFintech

Incred financial services

Head - Consumer Lending

Apr 2020 – Mar 2021 · 11 mos · Bengaluru, Karnataka

Post the acquisition of the Qbera platform, I was responsible for managing & growing the consumer lending P&L at InCred to $100mn ARR across our own-brand and partnership businesses.

Consumer LendingP&L ManagementPartnership DevelopmentCorporate FinanceBusiness Strategy

Qbera (acquired by incred)

Founder & CEO

Dec 2015 – Apr 2020 · 4 yrs 4 mos · Bengaluru Area, India

Founded Qbera, a digital full-stack origination platform for personal loans, focused on near-prime, middle-income, salaried individuals. Built a loan book of over 160 crores ($20mn) in strategic partnerships with leading financial institutions including RBL Bank, IndusInd Bank and Fullerton. Raised $6mn and exited to InCred Financial Services in April 2020.

Digital LendingPartnership ManagementFundraisingBusiness DevelopmentFintech

Oaktree international school

Co-Founder

Jul 2011 – Dec 2014 · 3 yrs 5 mos · Kolkata, India

Co-founded Kolkata's first co-educational, residential International Baccalaureate World School. The school offered the MYP, DP and IGCSE curricula across grades 6 - 12.

Various

Strategy & Business

Jun 2008 – Jun 2011 · 3 yrs · New Delhi Area, India

Worked across various businesses (hospitality, real estate & manufacturing). Held various roles across finance, operations and strategy (primarily non-core asset monetisation).

FinanceOperationsStrategyBusiness StrategyManagement