We are a net-zerofinancial servicesplatform

Our concern for the wellbeing of both people and our planet, drove us to create a digital ecosystem where transaction can become the currency for transformation.

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We are a net-zerofinancial servicesplatform

Our concern for the wellbeing of both people and our planet, drove us to create a digital ecosystem where transaction can become the currency for transformation.


We are a carbon neutral financial services platform

Our concern for the wellbeing of our planet and people, motivated us to create a digital ecosystem where your transactions can become the currency for transformation.

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Our vision goes beyond banking

We are building a sustainable financial platform, which aims to empower our customers to take charge of their financial journey and have a positive impact on the planet while doing so.

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Agency over your financial wellbeing

We are merely the vehicle, you are in the driving seat. By using an open-platform which integrates the best financial instruments all in one app, you have the power to spend smart, save more and grow.

Meet our team

Ribbon is part of a UK-India corridor focused financial services group with industry experts and leaders as co-founders and the board

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Ashesh Jani

CEO & Co-founder

Former Retail and Digital Banking head at ICICI Bank. Leading their U.K., Europe and North America businesses.

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Rajesh Radhakrishnan

Chief Technology Officer

Experience of implementing, adapting and managing IT infrastructure, applications and platforms along with building cryptocurrency trading platforms and e-wallets


Sonal Chopra

Head of Compliance

Sonal is an accomplished compliance subject matter expert, with over two decades of banking experience, specifically and most recently related to the UK financial regulatory regime. She specialises in conduct risk and data protection matters.

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Williams Vampu


Williams has worked in banking for the past 17 years and has significant Anti-Money Laundering regulatory experience. He has worked as Deputy MLRO and Frauds Controller in his previous role based in South Africa. He also holds a number of key financial services qualifications including the ACAMS certifications.


Rodney Sheriff

Chief Financial Officer

Rodney is a highly skilled Chartered Accountant and seasoned professional with a diverse professional background in blue chip and top tier organisations specializing in traditional and neo-banking, fintech start-ups, payment solutions and blockchain technology. He has extensive experience in strategic finance, regulatory and governance roles and has guided organisations in obtaining relevant regulatory licenses and preparing them for exit in international markets.

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Anup Ratnaparkhi

Chief Commercial Officer

14 years of rich experience in driving Retail Banking Business, developing sales and distribution channels, building partnerships and alliances and managing product and segment level P & Ls.

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Yashodhara Khajuria

Senior Product Associate

Yashodhara brings significant banking and financial services experience to this role including retail banking operations, foreign exchange and trade finance. At Ribbon, she is actively involved in creating product strategies and building partnerships to offer various features for a seamless user journey. She is passionate about product, payments and the fintech space.


Manish Vaid

Head of Channels

A result driven professional with extensive experience in Business Development, Marketing and Product Management. In his professional career, Manish was Head of Bancassurance & International Business for Kotak Life Insurance (India); and Head of Marketing & New Account Acquisitions for ICICI Bank UK PLC.

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Riddi Viswanathan

Channel Manager

Riddi is a University of Manchester graduate with over 5 years of experience in the Higher Education industry specialising in the UK-India corridor. As a former student leader, Riddi has represented young people at the Houses of Parliament Westminster, European Parliament Brussels and has been invited by leading media houses including the BBC, New York Times, NDTV, The Hindu for her opinions. Riddi is also a former entrepreneur with a successful exit in the edtech sector.


Bhaskaran Thangaraj

Channel Manager

Bhaskaran has 4 years of UK experience in Banking as a Relationship Manager sourcing new and managing existing corporates in the UK-India corridor to help employees with their banking requirements. Has significant sales and business development experience across a wide range of industries, like IT Service, IT Consulting, Business Consulting Service and Banking with consultive selling experience. He holds a Master's in Business Administration and a PGD in Marketing Management.


Hiral Kothari

Regional Manager

Hiral is a driven finance professional with a strong academic background with work experience in the fintech industry. She holds a double Masters’ degree in Investment Risk & Finance and an LLM in Banking and Financial Law. Hiral has a good understanding of the financial markets and the regulatory environment, as well as the skills necessary to manage and grow businesses.


David Oxley

HR Manager

A HR professional with 15+ years working in the profession, having originally worked in the UK for a large Hospitality Company in the Southwest David now resides in Gibraltar since 2018 and has more recently been working in the fintech and finance space as well as consulting for start-ups in HR.

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Vishal Sinha

Head of Operations and Customer Experience

Vishal Sinha is a seasoned operations and customer service professional with 13+ years of experience as a visionary architect of change in the worldwide banking sector. With a commitment to digital transformation, Vishal is dedicated to creating a more customer-centric tomorrow and embraces a new era in finance, where each customer touchpoint is an opportunity to deliver excellence.

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Sal Syed

Head of Digital

Former Oracle and SAP software services executive, experienced in launching and advising technology startups, delivering FinTech & RegTech solutions, and managing Digital Transformation projects.

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Nuria Harjani

Non Executive Director

Specialises in business advisory, client acquisition, growth and management of portfolios in Finance, E-money and Fintech across Europe


Franco Cassar

Non Executive Director

An experienced financial services professional, including 35 years in UK Retail/Corporate Banking. He has served as an executive Board member of the Gibraltar Bankers Association, Gibraltar Financial Services Commission, Gibraltar Finance Centre Council and Gibraltar Chamber of Commerce and currently holds INED positions in banking and insurance sector companies and non-financial regulated companies.

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Suchit Punnose

Executive Chairman & Co-founder

Founder of Red Ribbon Asset Management Plc, the ultimate holding company of Ribbon Plc