Jinesh Vohra

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Jinesh Vohra grew up in London, the son of an entrepreneur whose own father had emigrated from rural India to East Africa at the age of twelve with no formal education, building a business from nothing. That family story of entrepreneurial resilience shaped Jinesh's outlook long before he founded his own company. He studied Economics at the University of Warwick before joining Goldman Sachs as a graduate, where he spent fourteen years progressing through the firm's operations and risk divisions — managing global teams, supporting the securities trading business, and eventually taking responsibility for operational risk across roughly a third of the organisation worldwide.

Jinesh's founding moment came from his own mortgage experience. After taking out his first mortgage, he was struck by the scale of interest he was expected to pay over the loan's lifetime and set about overpaying as aggressively as he could. The process of doing so was far harder than it should have been — opaque, manual, and disconnected from the financial products he used every day. After successfully becoming mortgage-free, he left Goldman Sachs in 2019 with the freedom to start Sprive alongside two co-founders with complementary financial services backgrounds from Goldman Sachs and Morgan Stanley.

Sprive is the UK's only independent mortgage overpayment app, using open banking and cashback rewards from everyday supermarket and retail spending to automatically direct spare cash toward overpaying the mortgage. The platform continuously scans the market for better deals and alerts users when a remortgage opportunity arises. Users simply connect their bank account and mortgage, set a target, and Sprive handles the rest. The company reports that its average user is on course to cut three years from their mortgage term and save over £100 million in collective interest across its customer base.

In April 2025, Sprive raised £5.5 million in a round led by Ascension, with participation from Channel 4 Ventures, Velocity Capital, and Two Magnolias. NatWest selected Sprive as one of five fintechs for its inaugural fintech growth programme. The company's appearance on BBC Dragon's Den made Sprive the most downloaded finance app in the UK in the week of broadcast — and the sixth most downloaded app of any category.