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About Sable

Our mission

Bank the world.

Our story

This company was started by asking a simple question: What if premium banking was built equally for American residents, immigrants, students, and citizens—for everyone?

That vision came from personal experience. Getting started in this country is hard enough, but like many marginalized Americans and new immigrants, our co-CEO Naveen discovered how much harder it is without a U.S. financial history: she couldn’t get her salary, get a cell phone plan, make a deposit on her apartment, or even subscribe to Netflix without it. For over a century, the U.S. has put up barriers based on race, nationality, gender, sexuality, and more to life-changing tools like credit and debit. It’s not a new problem, but it was time for a new solution, so we built Sable: effortless, borderless banking for a more connected world.

Since our founding, we’ve teamed up with partners like Y Combinator and Coastal Community Bank, Member FDIC, to grow a community of 100,000+ users on a journey of building or rebuilding their financial future. Together, we make credit and debit quick to get, credit score fast to build, and banking easy to understand. We’re on a mission to bank the world.

Why Sable?

Why Sable?

Why Sable?

Why Sable?

Why Sable?

Why Sable?

Fee-free.

We don’t charge fees. Put your money toward what counts instead.

Equal.

We don’t think citizenship should be the barrier to banking.

Effortless.

We make credit building easier to understand than almost any other platform.

Borderless.

Moving from one country to another – and getting your banking in order - should be a truly frictionless experience.

Meet the team

Naveen

Co-Chief Executive & Product Officer
Portrait of Towers

Towers

Co-Chief Executive & Operations Officer
The global credit market has been a black box for over a century. Towers was ready to break it open.

After meeting Naveen at Columbia and hearing her story of being systematically excluded from U.S. banking, he lent his own experience in finance and building consumer brands to their shared vision for Sable. In one interview, Towers said, “When we first started the company, we had people coming from China, India and Australia who had top-rated jobs back home and were earning great salaries, but they couldn't get access to quality credit products and it made no sense.” For the past two years, he and the team have been working to make banking make sense.

His notable previous work experience includes Accenture, American Express, BlueVine, and Hawk Equity. In the next year, Towers is looking forward to growing Sable into the first-ever premium global financial platform based on inclusivity, accessibility and simplicity. Towers is a graduate of the University of Texas at Austin and Columbia Business School.
Portrait of Towers

Towers

Co-Chief Executive & Operations Officer

Adam

Chief Technology Officer
As Chief Technology Officer at Sable, Adam oversees the development of our best-in-class tech product, designed to make banking in the U.S. accessible to anyone. He joined the team because he saw the vision for building a bank from the ground up that’s rewriting the rules of traditional finance.

Adam’s notable previous experience includes software engineering and data science roles at startups like Revenue Science and Riaktr, and McKinsey & Company, where he helped multinational banks re-invent themselves and go digital. And because he can’t get enough of tech, Adam’s also a Minecraft and Factorio player, science fiction junkie, and dad to two miniature Schnauzers named Lars and Larry. He is a graduate of Economics and Computer Science from the University of Cape Town.

Adam

Chief Technology Officer

Annica

VP Growth Marketing
According to one article on power players in digital marketing, Annica has “humor and chutzpah in equal proportions” that allow her to cut through the crowded neobanking market and reach people with a simple, human message: equal access to banking for everyone.

Annica joined Sable as VP of Growth Marketing because she’s experienced the difficulty of entering the U.S. banking system as an international firsthand. By bringing her robust fintech marketing experience to Sable, she’s excited to be part of revolutionizing U.S. banking for the better.

Annica’s notable previous work experience has been in growing customer acquisition and retention for some of the hottest consumer fintechs like Stash, PolicyGenius, and Thimble. In her two years at Stash, Annica drove over 20X growth, taking the investing platform from roughly 100K customers to upwards of 2 million. In the next year, she’s looking forward to seeing Sable help more and more people improve their quality of life by building credit! And when she’s not bringing our mission to life with 360° marketing campaigns, she’s running marathons, listening to growth audiobooks, and eating cheese. Annica is a graduate of the National Taiwan University and holds a Masters of Science in Direct and Interactive Marketing from New York University.

Annica

VP Growth Marketing

Michal

Design Lead
No great product is built without great design. That’s why we have Michal.

Michal joined the team as Design Lead because he loved Sable’s story and saw a product with amazing features that should be matched with a beautiful, user-centered interface. He has been instrumental in leading the 2021 redesign of Sable and the development of the brand identity. 

A product design veteran, Michal’s notable previous experience includes agencies like Ogilvy, Platform, Solvers, and Wild, where he built brands and experiences for clients such as Mastercard, PC Financial, Airbnb, Red Bull, and Google. In the next year, he’s looking forward to Sable hitting 500,000 customers. When he steps away from Figma, Michal’s usually trying out new cocktail recipes as an amateur mixologist, traveling, and taking photos. Michal holds both a Bachelors and Masters of Science in Marketing Communication and Advertising from Constantine the Philosopher University of Nitra.

Michal

Design Lead

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Download Sable: effortless, borderless banking for a more connected world.