Who is Gojoko?

In the early 19th Century, the Agrarian reformer, philosopher and economist Sontoku Ninomiya invented the credit cooperative ‘Gojyoko’ – which is where our name derives from.

Using those early ideologies and driving them into the 21st century, Gojoko was born.

We take technology one step further. The FinTech eco-system combines the strengths of various IT platforms such as Mambu, ADP, SalesForce and AWS into an end-to-end loan processing solution. Gojoko has integrated risk management and data analytic services, empowering credit unions to compete against high-cost lenders.

Why Choose Gojoko



Gojoko is supporting and helping a network of Community Banks/Credit Unions to grow and expand into modern financial institutions offering services to its members across the UK. Gojoko provides support by giving easy access to its technology and services. This includes loan underwriting and processing, client management, risk management, score card development/implementation and credit control.



We already have the fastest growing credit unions and CDFis on our platform. This allows us to overcome the constraints of credit unions and amplify its strengths. In partnership, we can benefit from the economies of scale to compete against larger financial institutions.



We have made the conscious decision not to reinvent the wheel. Instead, we have created a cloud-based eco-system of the best software providers in their respective fields such as Mambu as our core banking system, ADP as our decision engine, adapting them to the needs of the credit unions.

Meet the Team

A team comprised of investment bankers, risk management specialists and sales and marketing experts, we’re a highly experienced and committed management unit – Each of us also come with high success in entrepreneurial ventures

Tobias Gruber, CEO

Studying management at the University of Bielefeld, Toby earned his MBA early on in his career in finance. He was the co-founder of Venn-Partners, a successful advisory and mortgage / loan platform.

More recently he was responsible for insurance and pension solutions across asset classes at Credit Suisse, where he developed and executed various landmark transactions.

As an investment banker for some of the biggest global banks, Toby has 28 years of experience to draw upon, working for the likes of JPMorgan, Morgan Stanley and AIG FP. His wealth of experience and knowledge has greatly influenced the direction and decisions of Gojoko.

Petr Luksan, Director

Graduating from the University of Cambridge with MPhil (Cantab) in Finance and a Diploma in Economics, and an MSc in Computer Science from Charles University in Prague, Petr’s educational experience is a huge factor in what qualifies him to be a leader at Gojoko.

His background in Computing and Finance is a perfect marriage for our project, and after honing his skills for nearly 25 years at investment banks, including managing director roles, a step into financial technology was the right move.

Gojoko is the perfect platform for Petr to utilise his background and experience and feed it into the amazing work we do.

Michael Hieb,

Non-Executive Director and

Risk Advisor

Michael Hieb is a director of Gojoko Marketing and advises the board on risk management and credit assessment issues. He has more than 20 years’ experience in structured derivatives and global capital markets risk management. He is a partner and Chief Risk Officer of Symmetry Investments and is responsible for all aspects of enterprise risk management.

He was formerly Chief Risk Officer for Cairn Capital Limited. Prior to that, he served as Managing Director and Head of Market Risk at AIG Financial Products. He began his financial career as a quantitative analyst for UBS Securities in their Global Equity Structured Derivatives group.

Michael is a graduate of New York University Bachelor of Science in Economics, Statistics and Operations Research with Honours, Magna cum Laude. He also holds a Master of Arts in Applied Mathematics from the Courant Institute of Mathematics.

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