Our Team

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Meet our people

We’re a team that’s trying to change the world! We’re unapologetically open banking and technology geeks and our diverse, global team at Ozone API is working to accelerate open finance around the world.

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People Spotlight

We asked some Ozonians to share what they enjoy most about working at Ozone API. This is what they had to say.

Dhwanil Nigam Vasani

Software Engineer

I get exposure to multiple verticals at Ozone API and get to play multiple roles, from product development, customer deployments to mentoring the interns, all of which make me a well rounded individual.

My mentors’ are some of the smartest people I’ve ever met, and of course, I get to work closely with the co-founders. I am surrounded with knowledge and wisdom, it’s immensely valuable especially at the start of my career.”

Jessica Kulkarni

Office Administrator

“If you love what you do, you’ll never work a day in your life.” This quote is so apt for Ozone API. The team, work culture and the leadership team all help to make you feel so comfortable and at ease.

Carol Heath

Partnerships Manager

I love life at Ozone API! I love flexible working, the challenging work and having fantastic support from a dedicated, passionate management team.

Alfiya Khan

Software Engineer Intern

It’s really exciting to work with a team where everyone is on the same page and in pursuit of a common goal.


Chris Michael

Co-Chief Executive Officer

Chris led the development of the UK open banking standard as CTO at the UK Open Banking Implementation Entity (OBIE).
With a 30 year career building technology companies, Chris has founded a highly successful digital agency and established the internal digital practice at Reckitt Benckiser.

Huw Davies

Co-Chief Executive Officer

Huw brings over 25 years in banking, leading payments globally at HSBC and former Head of Digital Payments at MasterCard.
He led the growth of open banking in the UK as Ecosystem Development Director at OBIE. He has successfully built high growth businesses both within large corporates and as stand alone start ups.

Freddi Gyara

Chief Technology Officer

Freddi was the lead technical architect and author of the UK open banking standard. A career technologist with over 25 years’ experience as a lead developer, enterprise architect, coach and mentor. Freddi has delivered large digital transformation programmes across Banking, Telco and Government verticals.

Leadership Team

Our leadership team brings together experts in their respective fields, a wealth of varied experience across multiple industries unified by a shared vision and set of values which cascade across our teams.

Chris Austin

Chief Information Security Officer

Chris has a passion for solving problems through technology. He brings over a decade’s leadership experience across the software development, FinTech and Cloud sectors, blending his commercial background with hands-on technical skills.

Evghenii Malevanchuk

Head of Product

Evghenii thrives when creating innovative products and services that offer the best user experience.
With over 15 years of experience, Evghenii has a solid background in product management, and has led product delivery and development in telecom, VAS and fintech domains.

Fábio Caldeira

General Manager LATAM

Fabio is passionate about connecting business demands with digital solutions to drive growth for the business and well being for the people.
His 20+ years of expertise were built across a diverse range of industries including roles at mobile telecom, manufacturing goods, internet and financial services.

James Bushby

General Manager for UK, EU, and NA

James has over 20 years sales leadership experience in the Payments industry. He is driven by helping customers deliver innovative and value based solutions and has spent the last 7 years helping Mastercard expand Real Time Payments across the globe including their Open Banking propositions.

Katie Hayes

Head of Marketing

Katie specialises in scaling marketing departments, delivering rebrands and impactful campaigns to support business growth. She brings over 15 years global marketing experience across multiple industries including tech, finance, FMCG, fashion and wellness. Katie is an advocate for Diversity, Equity & Inclusion and enjoys creating a healthy company culture.

Navneet Karnani

Head of Engineering

Navneet brings over 30 years experience in software engineering, team management and site ownership across multiple product sets. He has built enterprise datacenter products for Veritas, Netscout, Symantec and VMware and is passionate about building robust products and sustainable engineering practices.

Nihal Abughattas

General Manager MENA

Nihal has 20 years of cross-functional business expertise in banking technology. She is passionate about developing and delivering customer value propositions, and taking them to market. She has been a GTM advisor at the IFC [World Bank], helping FIs with their digital banking transformation projects. She is also a Founding Board Member of the MENA Fintech Association.

Richard Beeston

Chief Financial Officer

Richard is a chartered accountant and international finance leader with over 30 years of experience in multiple industry sectors. Since 2018, Richard has invested in and worked with start-up and scale-up businesses in Fintech, Edtech, Greentech and FMCG ventures, providing hands-on operational and strategic finance leadership.

Vaibhav Billore

Director of Engineering

Vaibhav is a seasoned technologist and an innovator with over 16 years of expertise in building scalable, high-performance, and reliable distributed systems. He brings valuable experience from leading development of enterprise-grade networking and security products at VMware.

Powered by our global team

Our diverse and global team is central to our ongoing success and the growth of Ozone API.

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