Portrait of Sophie Guibaud

Banking · Payments · Digital assets · AI · ESG

Sophie
Guibaud

Revenue-first growth operator and independent board director in regulated finance.

Operating across
GCC · UK & Europe · Africa · US · Central Asia

Fiat Republic✦OpenPayd✦Fidor✦Bankable✦TBC Bank UZ✦PayU✦Tesser✦Manza✦Mangosteen Advisory✦YouTrip✦HelloFresh✦ ✦✦✦✦✦✦✦✦✦✦✦

What I believe

The technology was often already there. The growth came from finding the right customers, building the right proposition and an organisation built to sell it.

Sophie Guibaud

Proof

Built from the commercial side.

Banks, BaaS platforms and digital-asset businesses across Europe, MENA and emerging markets, from the first enterprise contract to a full commercial organisation.

×6

A fintech's revenue in two years, as Growth Leader with full P&L responsibility

10+

Market and product launches across Europe, the GCC and emerging markets

50+

Keynotes, panels and podcasts, from Money20/20 to Point Zero Forum

20

Years in finance and fintech, from M&A and private equity to building fintechs

Work with me

Three ways in.

Fractional mandates, a small number of boards, and founders I back. Full attention, on a rhythm that fits each mandate.

01

Fractional GTM · CRO · CGO

Revenue first: every dollar spent tied to a dollar coming in. I own the commercial engine: revenue strategy, pricing, enterprise sales, partnerships, and how sales, marketing and customer success work together. Building it, restructuring it, or scaling it up. Always delivered with my partners at Mangosteen Advisory.

  • Digital-asset platforms adding payments
  • Banks working out stablecoins and digital assets
  • Fintechs entering the GCC or Europe
  • Fintechs and AI companies selling into banks and financial institutions
  • Companies opening new segments, such as fintechs and digital-asset businesses
  • Fintechs after Series A

02

Board

Independent Non-Executive Director for banks, fintechs and AI companies building for financial services. Strategy, audit, risk, AI and ESG oversight, with an operator's read of the numbers.

  • Supervisory Board, TBC Bank Uzbekistan
  • IFC Nominee Director
  • Audit Committee · Risk Committee
  • Board ESG Representative
  • AI Governance

03

Advisory

Alongside founders I back, as investor and advisor, on go-to-market, partnerships and fundraising narrative.

  • Tesser · stablecoin infrastructure for financial institutions, US
  • Manza (formerly Zazu) · SME banking, Africa
  • Previously YouTrip, SuperCharger Ventures

Partner · Mangosteen Advisory

Operators, not just advisors.

I am a Partner at Mangosteen Advisory, a London boutique of senior operators working globally. My fractional and project work always runs through the team: one partner leads, the bench behind them covers what the mandate needs.

Mostly

Fractional leadership

Embedded as part-time growth, revenue or go-to-market lead, driving change from the inside, with the rising team mentored along the way.

Sometimes

Project-led mandates

Focused, time-bound work with a defined outcome: go-to-market strategy, partnerships, pricing, or the design of the commercial organisation.

The partners

A senior bench

Alongside Julien Kervella (ex Samsung, CGI), Nathalie Oestmann (ex Amex, Samsung) and Vincent Belloc (ex PayPal, eBay), with AI-enabled delivery and an expert network behind us.

Footprint

Five regions, one desk.

Riyadh-based, working wherever the mandate is, with live mandates and board seats across four continents.

GCC

  • Advisor, Tier 1 GCC bank
  • Co-Chair, MENA Fintech Association Saudi Chapter

UK & Europe

  • Partner, Mangosteen Advisory
  • Previously OpenPayd, Fidor, Fiat Republic

Africa

  • Investor and advisor, Manza
  • SME banking, Morocco & South Africa

US

  • Advisor, Tesser
  • Stablecoin infrastructure for financial institutions

Central Asia

  • Supervisory Board, TBC Bank Uzbekistan
  • IFC Nominee Director

Board & advisory

Around the board table.

Qualifications

IMD Business SchoolMastering Board GovernanceCertificate · 2026
University of Oxford, SaïdAI GovernanceCertificate · 2026
IFC, World Bank GroupSustainability TrainingCertificate · 2026
IFC, World Bank GroupBoard oversight of ISSB-aligned reportingCertificate · 2026
Sophie Guibaud
Since 2025

TBC Bank Uzbekistan Supervisory Board

Digital bank in Central Asia's most populous country, part of LSE-listed, FTSE 250 TBC Bank Group. 23M+ registered users across the ecosystem. IFC Nominee Director, Audit Committee member, Risk Committee observer, and designated ESG Representative under the Central Bank of Uzbekistan mandate.

Since 2025

MENA Fintech Association Co-Chair, Saudi Chapter

Industry body for fintech across the Middle East and North Africa.

Since 2026

Tesser Advisor

Stablecoin infrastructure for financial institutions: banks, payment providers and remittance companies, US. Seed round led by Castle Island Ventures.

Since 2025

Manza Investor and advisor · formerly Zazu

Digital SME banking, Morocco and South Africa. Backed by Plug and Play Ventures and Launch Africa.

2022 – 2025

Fiat Republic Co-Founder, CCO & Board Member

Regulated banking rails for crypto platforms, UK and Dutch EMI licences. Backed by Kraken Ventures, Speedinvest and Seedcamp.

2019 – 2023

PayU, Prosus Group Fintech Advisory Board

One of the largest payment providers in emerging markets, led by India, where it processed $58B in FY23. M&A, market entry and growth across 17+ markets.

Earlier

YouTrip · SuperCharger Advisor

Multi-currency wallet in Singapore and Thailand, $100M+ raised. Fintech accelerator programme in Asia.

AI governance

AI is moving into regulated finance.

I am joining the boards of AI companies building for banks, payments and financial services. As agents start to pay, onboard and decide on someone's behalf, the hard questions land in the boardroom.

  • Selling into banksProcurement, risk and compliance reviews, and the partner bank that makes a product usable.
  • From the bank's sideSupervisory Board, Audit and Risk Committees at TBC Bank Uzbekistan as its AI agenda accelerates.
  • Trust and liabilityWho is the regulated party, and who carries the liability when an agent acts.
Discuss an AI board role →

ESG

Sustainability, at board level.

Oversight of ESG strategy and sustainability reporting at a regulated bank, backed by IFC training on ISSB-aligned disclosure.

  • Board ESG RepresentativeDesignated on TBC Bank Uzbekistan's Supervisory Board under the Central Bank of Uzbekistan mandate.
  • Strategy and disclosureBoard review of ESG strategy and the annual sustainability report.
  • ISSB-aligned reportingIFC certificates in sustainability and board oversight of reporting, 2026.

Track record

Twenty years in the engine room.

Zero to one, then one to ten. Banks, fintech and crypto, built from the ground up and scaled across borders. And still hands-on today.

2025 – today

Fractional & advisoryPartner, Mangosteen Advisory · Board director

Hands-on fractional growth mandates with Mangosteen, and advisory for founders including Tesser and Manza.

2022 – 2025

Fiat RepublicCo-Founder, CCO & Board Member

Part of the founding team that built a regulated BaaS, payments and stablecoin platform from zero.

2019 – 2021

OpenPaydChief Growth Officer

Led sales, partnerships, marketing and customer success for a European BaaS platform serving fintech and crypto clients.

2015 – 2019

Fidor GroupManaging Director Europe

Led the UK launch and initiated the BPCE relationship behind Fidor's 2016 acquisition.

2012 – 2015

BankableHead of Product Strategy & Commercialisation

One of Europe's first Banking-as-a-Service models; white-label launches including Deutsche Bank.

2006 – 2012

HelloFresh UK · FinanceFounding team · New York & Paris

HelloFresh UK launch; before that, acquisition finance, M&A and private equity.

Sophie Guibaud moderating on the main stage at Money20/20 Middle East

Speaking & writing

On stage and in print.

Sophie Guibaud speaking on a panel at Money20/20 Middle East
Money20/20 Middle East, Riyadh

Embedded Finance

Co-author, Wiley, 2023.

Get the book ↗
  • Keynote, Point Zero Forum
  • Money20/20 Middle East
  • Money20/20 Las Vegas & Amsterdam
  • Web Summit Qatar
  • FinTech TV, 11:FS, Embedded Finance Review
  • Singapore Fintech Festival

Watch

In conversation.

Keynotes, interviews and panels on embedded finance, stablecoins, digital assets, AI and the GCC market.

More on YouTube ↗

Probably the best piece of advice I've ever received in my career.

One particular advisor at one point turned to me and said "Axel, are you sure you want to be a CEO? I think you're more acting as a CTO." [...] In hindsight, she was absolutely spot on. Surround yourself with people that will cut the shit and tell you how it is.

Axel Hunter · Founder, Devin.no AI
“She played a key role in shaping our tech architecture [...] and provided valuable insights to help us sharpen our entire GTM/B2B sales strategy and get us to PMF into a new market.”
Germain Bahri · Co-Founder & CGO, Manza (formerly Zazu)
“Been there. Done that. [...] I can trace back all the commercial ideas and go-to-market approaches she made for us.”
Janos Barberis · Co-Founder, SuperCharger Ventures

Contact

Let's talk.

sg@sophieguibaud.com