Co-founder
Utsav Rana
Ex-Strategy, CarDekho Capital · FMS Delhi MBA '23
“I spent a year inside India's lending stack — watching NBFCs miss EMI follow-ups before lunch, watching ₹50,000 ticket sizes vanish because the third dial never connected. The gap isn't in the credit model; it's in the dial tone. Cualify dials in twenty-two languages, at compliance-grade quality, for ₹6 a minute — so the next call lands before the lead goes cold.
Utsav trained as a mechanical engineer in Mumbai (VCET, 2019) and spent two and a half years running operations at Ajanta Agencies — the kind of frontline SMB role where the founder, the warehouse, and the field team are all one WhatsApp group. That ground truth shapes every product decision we make.
He earned his MBA at FMS Delhi (Class of 2023) — one of India's most selective B-schools — and joined CarDekho Group as Deputy Manager, Strategy, where he worked on the fintech arm of the auto-marketplace giant. Personal-loan products, risk assessment, regulatory compliance, partner channels — the same surface area that Indian SMBs in BFSI, NBFC, and lending wrestle with every day.
At Cualify he owns pricing, partnerships, and the compliance posture that lets banks and NBFCs onboard us without an internal audit fight. The product roadmap reflects his bet: AI voice infrastructure that earns its way into the regulated parts of the Indian economy first — collections, KYC, customer support — and earns trust by being boring about the parts that have to be boring.
- MBA
- FMS Delhi · 2021–2023
- B.E. Mechanical
- VCET Mumbai · 2016–2019
- Strategy
- CarDekho Group · 1y 3m
- Operations
- Ajanta Agencies · 2y 5m