Established in 2017 and built broker-first from day one — Oxcel pairs real people you can call with AI-driven technology that makes finance faster, cleaner and paperless wherever lenders allow.
Oxcel Pty Ltd was established in 2017 and has grown steadily ever since — first as a customer-facing brokerage helping everyday Australians with vehicle, personal, business and home lending, and now as the network behind brokers right across the country.
That growth has been powered by a deliberate investment in cutting-edge IT infrastructure enriched with artificial intelligence — driving a decisive shift to online processes and a paperless approach. We'll be honest: a handful of lenders still mandate wet signatures, so we're not 100% paperless yet — but our commitment to getting there is unwavering.
Oxcel Broker Services exists because we were brokers first. Every policy we set passes one test: would we accept this as a broker? If the answer is no, we don't ship it.
Join Oxcel →You see what the lender pays and what you keep. Every deal, every time — reconciled to lender statements.
Trail portability is contractual. We earn loyalty; we don't engineer lock-in.
Instant AI answers, live humans 9:00am–6:00pm, weekly commission runs. Your time is your income.
We only do well when your settlements grow. Our incentives are aligned by design.
Finance, technology and growth leadership with one shared obsession: making brokers more successful.
Ratib has led Oxcel since founding it in 2017, pairing a solid foundation in finance and accounting with a relentless focus on growth, innovation and client service. He sets the strategic direction of the group — and the standard: reliable, competitive, client-focused lending, delivered by a company brokers can trust with their livelihood.
With over seven years in financial services, Satyam builds and maintains the lender and business partnerships that power the Oxcel panel — making sure members always have access to competitive, tailored lending solutions for every client scenario.
Rony keeps strategy and execution aligned across the business — working with senior stakeholders to turn ideas into action and continuously improving the day-to-day operations that brokers rely on.
Nayeem leads Oxcel's expansion, shaping strategies that span every department — so the network grows with clarity, innovation and sustainability rather than growth for its own sake.
A commercial lending and asset finance specialist with years at the coalface, Tony leads the asset finance practice — and the deal knowledge behind our scenario desk. His benchmark is simple: straightforward, stress-free finance that helps clients succeed.
With Oxcel since the very beginning, Arafat built and runs the AI-enriched infrastructure behind the platform — the CRM, the automation and the systems reliability that keep every broker's business online, every day.
Relationship management, onboarding, mentoring, commissions and compliance — the specialists behind every Oxcel member.
A decade in banking, lending and relationship management — including senior broker-facing roles at Ubank and Commonwealth Bank across home lending, business development and portfolio growth. Matthew builds long-term partnerships and helps brokers grow with responsive support and practical finance solutions.
Over a decade in banking, lending, customer relationships and business development. Mumba's strength is trust — building genuine relationships and delivering measurable outcomes for the brokers and business partners in his states.
Sanjida owns the onboarding experience — guiding every new member through documents, accreditations and setup so nothing stalls. Clear guidance, consistent support, and a smooth start from day one.
Five-plus years across commercial and consumer mortgages, now dedicated to the complimentary 2-year mentoring program — working file-by-file with new brokers to turn practical knowledge and real-world insight into settled loans.
Elyssa runs the tech-based commission disbursement engine — reconciling every dollar against lender remittance so brokers are paid correctly and on schedule, every week. One less thing to worry about, by design.
Sanoop manages compliance across financial and operational activity — accuracy, regulatory requirements and risk control — so every member file stands up to lender, insurer and ASIC scrutiny, and the network operates with trust and transparency.
Broker support, growth, accounts, marketing and executive operations — the depth that keeps everything moving.
Join Oxcel and this entire team — leadership, RMs, mentors, compliance and commissions — starts working for you from day one.
Join Oxcel →Our Relationship Managers are here to understand your business, answer your questions and show you how Oxcel can support your success.
We value your time and look forward to connecting with you. Choose a time that works best and we'll take care of the rest.