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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

Ozone API thrives on a culture of empowered collaboration. Shared goals fuel our team spirit, turning us into an unstoppable force driving innovation. Witnessing our team deliver high-quality work and continuously push boundaries is incredibly rewarding.

The Board


Dame Jayne-Anne Gadhia

Chair of the Board

Jayne-Anne brings over 30 years of experience in financial services and technology. From 2007 to 2018 she was the CEO of Virgin Money, leading the acquisition of Northern Rock before listing the combined business in 2014. In 2018, Jayne-Anne joined Salesforce and went on to launch her own fintech, Snoop, which was acquired by The Vanquis Banking Group in July 2023.

Chris Michael

Co-founder & Co-CEO

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-founder & Co-CEO

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

Co-founder & CTO

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.

Gordon Hague

Board Director

Gordon is a non-executive director with a wide range of board experience, specialising in financial services. Qualifying originally as a Chartered Accountant, he brings over 20 years’ experience as a private equity investor across 3i plc and Lloyds Development Capital working closely with company founders.

Richard Beeston


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.

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.

Eyal Sivan

General Manager NA

Eyal Sivan, known as ‘Mr. Open Banking,’ is a seasoned technologist with over 30 years in IT, focusing on open banking. He’s renowned for his leadership, innovative approach to technology, and dedication to advancing open banking globally, improving the financial ecosystem for millions.

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 UK & EU

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.

Rajeev Walia

Head of Standards

Rajeev spent 17 years delivering business transformation projects and programmes within finance, digital, and health for clients in the UK, EU, North America, and Asia. Since 2015, his focus has shifted to financial services, specifically Open Banking & Open Finance.

Rajesh Chawan

Head of Delivery

Rajesh, with over two decades of experience in the tech industry, has thrived in diverse roles from development, consulting, product and account management. Blending his engineering and MBA backgrounds, he has excelled in multiple industries across the US, UK and India.

Suzanne Cork

General Counsel

Suzanne is a seasoned commercial lawyer who has honed her legal expertise across several senior legal roles within the financial services sector, including at the UK Open Banking Implementation Entity (OBIE). Suzanne is responsible for all legal affairs at Ozone, including overseeing, identifying and dealing with all legal and compliance issues and supporting Ozone’s success through pragmatic and strategic counsel.

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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