As Managing Director of Oxcel Finance, Ratib Zaman has led the company since 2017 with a strong focus on growth, innovation, and client service. With a solid foundation in finance and accounting, he oversees the strategic direction of the business while ensuring that Oxcel delivers reliable, competitive, and client-focused lending solutions. Under his leadership, the company has continued to expand its reach and strengthen its reputation as a trusted financial services provider.

Ratib holds a Master’s degree in Accounting from Charles Darwin University and a Bachelor of Business Administration in Finance and Accounting from North South University. He has also completed further executive education in Business Strategy at Harvard Business School. This academic grounding has equipped him with both technical expertise and strategic insight, which he applies in guiding Oxcel through an evolving financial landscape.

Recognised for his ability to solve complex problems and turn challenges into opportunities, Ratib combines deep financial knowledge with a forward-looking mindset. He is committed to driving innovation, embracing change, and developing new approaches that create sustainable growth for both clients and the business.

Outside of his professional role, Ratib is an avid lover of Asian cuisine, an enthusiastic reader, and a movie buff with a taste for all genres. He values building long-term relationships based on trust and collaboration, and is passionate about connecting with people to create meaningful impact and shared success.

With over seven years of experience in the financial services industry, Satyam Nanda is the General Manager – Partnership at Oxcel Finance. In this role, he focuses on building strong partnerships with lenders and business stakeholders, ensuring clients have access to competitive and tailored lending solutions that meet their unique goals.

Having worked across three continents, Satyam has developed a high level of adaptability and gained valuable insights into diverse markets and cultural landscapes. His global perspective enhances his ability to understand client needs and deliver thoughtful solutions.

Satyam is a published author. He continues to refine his ability to combine analytical rigor with creative thinking, bringing a well-rounded and forward-looking approach to financial well-being.

Beyond his professional role, Satyam has a passion for cricket and poetry, pursuits that reflect both his energy and creativity. He also enjoys travelling and exploring different cuisines, often sharing new experiences with family and friends.

Rony is the Chief of Staff at Oxcel Finance and supports the leadership team in driving strategy, execution and operational alignment across the business. He works closely with senior stakeholders to turn ideas into action and improve efficiency across day-to-day operations.

His professional journey spans operations, project coordination, and business management across finance and technology-driven environments. This experience has given him a strong understanding of how growing businesses operate and scale.

Rony enjoys listening to audiobooks, supporting community initiatives and exploring new places, ideas and technologies. He values continuous learning and brings curiosity and energy into both his professional and personal life.

Nayeem Emran is the Head of Growth at Oxcel Finance, where he leads the firm’s expansion by shaping and implementing strategies that span multiple departments. His role ensures Oxcel continues to evolve with clarity, innovation, and sustainable growth.

With more than a decade of experience in leadership, policy development, and organisational strategy, Nayeem brings a truly global perspective, having worked across several countries in the finance, development, and non-profit sectors. His expertise in managing diverse teams and delivering transformative initiatives has enabled him to consistently drive impact at both institutional and community levels.

At Oxcel, Nayeem champions a forward-looking approach that integrates sustainability, cutting-edge technology, and operational excellence. By aligning innovation with customer-centric strategies, he ensures the firm not only achieves long-term growth but also delivers outstanding client experiences and satisfaction.

Passionate about collaboration and long-term impact, Nayeem is dedicated to creating strategies that strengthen Oxcel Finance while empowering people and communities connected to the business.

Arafat Rahman is the Head of IT at Oxcel Finance. He has been with the organisation since the beginning and has played a key role in supporting its growth. He helps ensure that IT systems run smoothly and reliably.

He supports the business with IT needs and system improvements. His work helps teams stay connected and operate without disruption. He is a dependable point of support across the organisation.

Outside of work, Arafat enjoys travelling. He likes exploring new places and cultures. This reflects his curiosity and open mindset.

Tony Ly is Principal - Asset Finance at Oxcel Finance with several years of industry experience. Specialising in commercial lending and asset finance, his primary goal is to provide straightforward, stress-free financing solutions that help clients succeed.

Tony also excels in market and product analysis, thoroughly evaluating the Australian lending market and a diverse range of lending products from both Australian and overseas funders. This strategic insight ensures his clients receive the most suitable and competitive solutions, including client-focused brokering for commercial, asset and unsecured financing, where he provides tailored advice to help clients achieve their financial goals. He offers strategic advisory by conducting thorough needs analysis and leveraging market intelligence to make well-informed recommendations. Tony also provides broker guidance and training on complex systems to ensure consistent quality across oxcel. His expertise extends to stakeholder and vendor management, acting as a liaison between clients and a broad network of lenders, as well as business development to grow a diverse client portfolio. He ensures a smooth and efficient process through operational excellence, handling all necessary documentation from start to finish.

Tony values building long-term relationships built on trust and service and he is dedicated to supporting clients throughout their entire financial journey - from the initial consultation to future lending needs.

Helen Shi is a Mentor and Trainer at Oxcel Finance. She brings over five years of industry experience in both commercial and consumer mortgages. She works closely with brokers to share practical knowledge and real world insights.

Before joining Oxcel Finance, Helen worked as an Analyst at Deloitte. She is also an FBAA accredited mentor and trainer. Her strong industry and regulatory background supports brokers in building skills and meeting industry standards.

Outside of work, Helen enjoys playing the piano. This reflects discipline and patience. These qualities support her structured approach as a mentor and trainer.

Sanoop supports Oxcel Finance by managing compliance across financial and operational activities. He focuses on accuracy, regulatory requirements and risk control. His work helps ensure the business operates with trust and transparency.

He has prior experience in wealth management and financial services. This experience gives him strong analytical skills and a good understanding of compliance processes. He is also a Xero Advisor Certified professional.

Outside of work, Sanoop is involved in community and volunteer initiatives. These include student welfare and cultural forums. His involvement reflects a collaborative mindset and a desire to give back.

Swathi Anil is an Accounts Officer at Oxcel Finance, where she supports the business with expertise in financial analysis, audit, and compliance. She is dedicated to ensuring accuracy and efficiency across financial operations, helping Oxcel deliver reliable outcomes for clients and stakeholders.

With professional certifications as a Certified Public Accountant (CPA, US) and Certified Management Accountant (CMA, US), Swathi brings a strong technical foundation and a detail-oriented approach to her work. Her background in financial services and audit equips her to identify risks, strengthen internal controls, and enhance overall financial processes.

Outside of work, Swathi values continuous learning and enjoys engaging in activities that foster both personal and professional growth. Her commitment to precision and integrity reflects in every aspect of her role at Oxcel Finance.

Sanjida is Broker Support Officer at Oxcel Finance. She supports brokers through the onboarding process and ensures a smooth setup from the beginning. Her role focuses on providing clear guidance and consistent support.

She continues to assist brokers with ongoing requirements and coordination. Sanjida’s background in Business Analytics helps her work with structure and accuracy. She approaches her responsibilities with care and attention to detail.

In her personal time, Sanjida enjoys sketching. This creative interest reflects focus and creativity, which also influence her approach to work.

Alice supports Ratib Zaman in his everyday operations. She helps manage daily tasks and keeps things moving smoothly. Her support allows the team to stay focused and productive.

Alice brings young energy to the workplace. She is proactive and always ready to help. She adapts quickly and enjoys working in a fast paced environment..

Beyond work, Alice enjoys playing the guzheng, a traditional Chinese musical instrument. Her passion for music reflects her creativity, focus and calm presence. These are the qualities that naturally carry into her professional life.

Ranvier Dhillon is a Business Development Manager at Oxcel Finance, focused on expanding Oxcel’s reach through new partnerships and referral channels. His role centres on identifying growth opportunities, strengthening external relationships and promoting Oxcel’s value proposition in the market.

Through a proactive and relationship-led approach, Ranvier plays a key role in driving sustainable business growth and increasing brand presence.

Elyssa Formeloza is Commission Manager at Oxcel Finance, where she oversees the accuracy and timely processing of broker commissions. Her role focuses on ensuring brokers are paid correctly and on schedule, giving them one less thing to worry about.

Benmark is a Broker Support Officer at Oxcel Finance, with 13 years of experience in client-facing roles.

He brings a strong service mindset to his work and understands the value of clear communication, consistency and strong relationships. Benmark is organised, approachable and takes pride in being someone people can rely on.

Outside of work, Benmark enjoys travelling, exploring new cultures and discovering different cuisines. He values experiences that broaden his perspective and keep him curious.

Mary Joy is a Broker Support Officer at Oxcel Finance, with more than nine years of experience across operations and client-facing support.

She brings a practical and organised approach to her work, with a strong focus on communication, reliability and getting things done well. MJ enjoys working with people and contributing to a positive, well-supported environment.

She is currently pursuing an MBA and is committed to continuing to learn and grow. Outside of work, MJ loves playing pickleball, discovering good food and visiting island destinations. She also enjoys cooking and taking motorcycle road trips when time allows.

Matthew is our Relationship Manager based in New South Wales, bringing over a decade of experience in banking, lending and relationship management. Prior to joining Oxcel, he held senior roles with Ubank and Commonwealth Bank, where he specialised in broker relationships, home lending, business development and portfolio growth. Matthew is passionate about building long-term partnerships and helping brokers grow their businesses through responsive support and practical finance solutions.

Mumba brings over a decade of experience in banking, lending, customer relationships, and business development, with a strong focus on building trusted relationships and delivering outcomes for customers and business partners.

Throughout his career, Mumba has developed a deep understanding of the lending and financial services industry, combining commercial insight with a genuine passion for helping people achieve their financial goals. His experience across banking, recruitment and business development has strengthened his ability to understand client needs, identify opportunities and build long-term relationships.

At Oxcel, Mumba is focused on supporting brokers and partners by providing responsive, solutions-focused service and helping them navigate lending opportunities with confidence.

Outside of work, Mumba is a passionate sports fan and particularly enjoys following football. He is a proud and passionate Manchester United supporter.

Darryl supports Oxcel Finance as a Compliance and Broker Support Officer, assisting with broker onboarding, file reviews and day-to-day compliance requirements. He focuses on accuracy, document quality and ensuring each process is completed correctly.

He brings previous experience in broker support and file auditing, giving him a strong understanding of compliance checks, broker documentation and operational procedures. His attention to detail and relevant industry experience help him identify issues carefully and provide reliable support to the team.

Darryl is also known for his calm, polite and approachable communication style. He works well with brokers and team members, helping create a positive and supportive experience while maintaining high professional standards.

Outside of work, he enjoys reading self-help books. He loves learning new ways to grow, build better habits and see things from different perspectives

Angella is a Media and Marketing Officer at Oxcel Finance. She has experience in content marketing, social media management, PR campaigns and brand development. She enjoys combining creative ideas with clear strategy to build stronger brand awareness and connect with audiences. Her work includes creating content, supporting campaigns and helping keep Oxcel’s communication clear and consistent.

Outside of work, Angella enjoys learning about digital culture, visual storytelling and new trends. She likes exploring fresh ideas and different ways brands communicate with people. These interests continue to inspire her approach to marketing and creative work.

Fatima Al Ghorabi is the Executive Assistant to the Managing Director at Oxcel Finance. She brings positive energy, a willingness to learn and a proactive approach to everything she takes on. She enjoys new challenges, exchanging ideas and continuously finding ways to grow both personally and professionally.

Outside of work, Fatima enjoys reading, cooking and finding time to slow down and recharge. She values creativity, meaningful conversations and the simple moments that bring fresh energy and perspective to her day.