Stability and progress of any nation depends on its economic growth. Well-set financial institutions encourage economic growth to large extents and to acquire financial assistance what could be the more convenient way than to rely on loans.How ever, in the process, numerous hindrances make the financial process complex in our nation. Outright rejection of loan application for deserving individuals or organizations is one of the biggest hassles we face today, due to varied risk appetite of financial institutions & customer is unaware of the right choice of financial institution. This has made the entire process inefficient, uncertain as well as time consuming for customers as well as financial institutions. Eradicating these inefficiencies, Rubique is presenting a tech-led lending solutions for individuals as well as SMEs. As we are living in a paperless world where loan space has also been digitalized, this financial e-Commerce company stands out with its key proposition of a unique online and assisted online model aiming at customer convenience. Adding value to the financial services, this entity is completely focused on end-to-end disbursement.It has created a platform where every borrower can meet a potential lender.

When Rubique started its operations in October 2014 in Mumbai,it wasn't easy for Manavjeet Singh(Founder & CEO) to attract people with such an intrinsic concept, except a couple of his workmates who pinned their faith in this vision. However, the company turned a lot of heads and

got approached by many people, when it earned funding from Kalaari Capital. There was no looking back for the company after that.

blending the fresher and experienced personnel, Rubique ensures a balancing work culture where fresher bring energy and experienced bring forth years of learning.

Employee Friendly Company

Providing top-notch end-to-end solutions around lead generation and loan fulfillment in the appealing financial arena, Rubique's recruiting practices lies in the goodwill and mere word of mouth. The team consists of fresher from IITs as well as experienced functional heads. By blending the fresher and experienced personnel, the company ensures a balancing work culture where fresher bring energy and experienced bring forth years of learning.

Manav says,"At Rubique, we encourage an entrepreneurial mind set where one works on a blank canvas & go beyond his/her limitations to make it a success. And to flourish this, we have kept a flat structure(no hierarchy) & culture of open feedback. It has helped us strengthen synergies & bonding between the team members & there is a collaborative effort towards company's vision. The mechanism of quarterly feedback has helped us to align the team efforts & also reward them periodically for it.In agile & constant evolution phase of startup, such practice helps us to give much needed boost to keep team motivated".

The company is creating matchless experiences for the employees. While speaking about the work environment, Jayatri Dasgupta, Marketing Head of the company, proclaims,"Rubique is an equal

opportunity workplace with a lot of positive energy and team spirit. It is fun to be a part of a workplace that doesn't set limitations to what you can do and what you can't. The open office culture sets the tone of the organization which is very democratic and appreciative of new initiatives and ideas". She further adds,"It allows me to go beyond the conventional role of a marketer and participate in various other functions which enhance my professional journey. The young team has a very infectious positive vibe, which makes every day interesting and fun".

Fun at Work

Several initiatives are taken by the company in solidifying the work-life balance such as work from home option, flexible work hours, liberal leave policies and several stress-busting activities like games and music."In fact, if you visit the office premises on Fridays, employees could be found DJing.The whole idea is to initiate interaction among the employees and create a fun environment,"says the HR of Rubique. While offering all the benefits as good as any other companies in the market like PF, paternity and maternity leave policies.

Growth so Far

Having the strength of 78 employees, Rubique has augmented in revenue field with more than Rs.4+ crores. Having successfully completed Rs.310 crores disbursement and set up of 8000+ credit cards, it has received more than 27,000+loan applications as of now and shows no signs of exhaustion in future.

Key Management:
Manavjeet Singh, Founder & CEO

An expert in banking, team management, financial services and retail banking, previously Manavjeet was associated with Yes Bank as Senior President,served as the Distribution Head in Reliance Broadcast Network,acted as the Business Head of HDFC bank and so on.