LoanFront is a product by Vaibhav Vyapaar Private Limited, Our RBI registered NBFC-ICC(N-05.06869)

IVR Gowrinath


Our Founder and CEO, Mr. Gowrinath Raghava, is a seasoned professional with 19+ years of experience in Software development, Product/portfolio management, Human resource and Operations management in various domains including financial services.

His personal skills and determination lead him through different roles over 19 years of his career with various Technology based organizations. He progressed steadily from Software Engineer, Senior Software Engineer, Technical Project Lead, Senior Project Lead to other Senior management positions.

Gowrinath vision is to use Technology to address gaps and improve efficiency in financial services domain, while keeping the products easy to use and hassle-free for the common Indian. In the month of November 2018, Loanfront was launched as a digital lending platform that will cater to loan requirements all over India.

Satya Mallidi


Satya M Reddy comes with 22 years of experience in IT services, product development, maintenance & support with specialization in Operations, IT Governance & Consulting, Program Management and Quality Management. He joined LoanFront after having been associated with companies like Hewlett-Packard, Wirpro, Cyient and BirlaSoft. He served in various leadership roles in India and delivered overseas consulting assignments.

Satya has extensive experience and expertise in areas relating to establishing start-ups and CoEs/ODCs, P&L management, Budgeting and Controlling, Transition & Transformation, Supplier Evaluation & Improvement, Information security, policy and process development and establishing Management Systems in multiple sectors/industry segments including Financial services, eCommerce, digital transformation services etc.

Satya holds a post-graduate degree in Industrial Engineering & Management from JNTU, Hyderabad and a post diploma in Management with various professional certifications.

Salsan Jose

Chief Architect / CTO

Salsan Jose is a young computer science master with a towering repertoire built over a span of 13 years. He is adept at multiple technology and solution platforms and has an unswerving passion to explore newer technologies while also encouraging startups to do the same. His relentless pursuit in putting his inordinate amount of programming skills to design complex, distributed systems while striving to keep them simple has catapulted Capfront to greater heights. His ability to optimize source-code is impeccable and he tenaciously strives to explore newer optimization methods thus saving the time and energy of his co-developers, while also opening new doors for them. Besides being a master in technology, he has a deep understanding of finance and business.

He quit his promising career at TATA Elxsi and turned down offers from several other multinational giants after having decided to use his broad corporate experience to aid fledgling startups.


Risk manager

Ganeshprasad Pavaskar has an MBA from IIM Calcutta where he majored in Finance. He has an undergraduate degree in B. Chem. Engg. From ICT Mumbai. He is also Certified FRM from GARP. Ganesh has a total 10 Years work experience in Consulting, Risk and Mathematics domain.

Ganesh has worked as a Risk Professional for US based Insurance Underwriters. He has worked in digital transformation of the clients from Fortune 6 company especially in pharma and small-group corporate health insurance domain. He has built risk rating products and risk management features in the leading health insurance underwriting platform. He is an expert in C#, Python, MATLAB, SQL Server and FORTRAN.

Ganesh has also worked as a consultant in public policy, EV and Solar Energy domain where he extensively worked with stakeholders from GoI and a variety of Government agencies in Karnataka. Ganesh has also worked as a mathematician in IISc in the Chemical Physics/Statistics domain with multiple publications in international Journals.

Nitesh Kejriwal

Company Secretary

Association Member of the Institute of Company Secretaries of India.

Expert in the field of the non-banking financial regulations, Company Laws, FEMA, Finance, Corporate Law, KYC and AML compliances, FDI, Due Diligence, Investment.

Bhawesh Jhabak

Finance Controller

Bhawesh Jhabak is a qualified Chartered Accountant and has experience of 5+ years in Finance, Accounting & Auditing. He has worked in 2 corporates and Chartered Accountancy Firms.

Expert in Financial Analysis, Budgeting & Accounting.

Shiva Kumar M

Manager - Quality Assurance

Shiva Kumar is an expert in Quality Assurance and Training Operations Executives for smooth functioning and good customer relationship. He comes with 8+ years of experience in Quality and Underwriting with previous work experience in companies like Kredit Bee, Quicker and ACT.

Shiva Kumar did his graduation from BengaluruUniversity. His main responsibilities in LoanFront include compliance of various processes within operations vis-à-vis our internal SoPs and external standards, monitor/audit each and every interaction with our customers, customer satisfaction, training and report process compliance to senior management.