Executive Chairman and Founder
Ratan is the entrepreneur who inspires the business using his extensive commercial experience.
This came from senior roles at The Body Shop and Virgin Group and other executive and non-executive positions.
His focus is on the strategy, growth and future direction of Rivers.
Michael is a non-executive director who has been qualified as a solicitor for over 25 years.
He has also worked at CEO level in public companies and been involved in M&A’s and finance raising activities.
His legal brain plus his commercial experience allows him to ask those questions that keep Rivers on the right path.
Stephen is also a non-executive director. He has held senior executive roles in a number of well-known and sizeable asset
finance businesses and has recently retired as MD of Arkle Finance a subsidiary of Wetherbys Bank. His address book is a
who’s who of our industry and like Michael is never afraid of asking the right questions.
Business Development Director
Tim has been involved in the industry for 36 years with a wide variety of senior management roles covering sales, technical support,
pricing and compliance. As well as working for major bank subsidiaries he has also worked at a broker and in small businesses.
Business Operations Director
Rishi is the stalwart of the Rivers team making sure the daily operational aspects of the business run smoothly.
His expertise covers contact with our brokers and customers and includes the underwriting function, payouts and customer service.
Ravi’s role is much wider than his 25 years accounting experience. He oversees the financial controls as well as driving
operational efficiencies through his extensive knowledge of our systems. At the heart of his activities is his contribution in
delivering great service to our customers and introducers.