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Innovating Financial Services with Artificial Intelligence
Our Mission

Pefin’s mission is to provide trustworthy, affordable, and personalized financial advice to anyone who needs it. Our AI technology will continually push the limits of innovation in the financial services industry to empower each of us to make the best financial decisions.

Our AI Technology

Pefin uses AI to make decisions with your money, just like a human advisor would. The AI Brain is a neural network that understands hundreds of financial relationships. For a single financial projection that spans 80 years, the network evaluates and monitors 2M-5M data points for you.

Innovation Starts with Our Team

The AI that powers our technology is smart - it has common sense, learns from our behavior, and adapts with change. Behind this technology is a talented team who question the status quo today to design the financial services industry of tomorrow.

Meet the Team
Ramya Joseph
CEO & Founder
Ramya Joseph
CEO & Founder
Ramya is the CEO and Founder of Pefin. Before Pefin, Ramya managed trading for multi-billion dollar portfolios at Goldman Sachs and Morgan Stanley. Ramya concurrently completed her MS in Machine Learning (AI) and a MS in Financial Engineering from Columbia University, NY. As a founder, wife, and mother, Ramya relates closely to the challenges that all of us face in making life decisions and planning ahead for them.
Jay Gopalakrishnan
CTO
Jay Gopalakrishnan
CTO
As Chief Technology Officer at Pefin, Jay leads the technology architecture, and development of Pefin's AI Financial products. Jay has over 10 years of expertise in designing large-scale systems. He has been part of the leadership team at Pefin since 2013. He has an MS in Computer Science from NYU Courant. Jay has a keen eye for consumer technology innovation, and in his free time, is a gaming enthusiast.
Bala Mikkilineni
Senior Database Engineer
Bala Mikkilineni
Senior Database Engineer
David Mack
Senior UX Designer
David Mack
Senior UX Designer
Da-Hea An
Frontend Developer
Da-Hea An
Frontend Developer
You found it. I play bass in rock bands.
Alexandros Katechis
Frontend Engineer
Alexandros Katechis
Frontend Engineer
Yara Lopadchak
Visual Designer
Yara Lopadchak
Visual Designer
Rudy Reeves
Frontend Engineer
Rudy Reeves
Frontend Engineer
Maksim Grinman
Full Stack Engineer
Maksim Grinman
Full Stack Engineer
Daryl Napp
Frontend Engineer
Daryl Napp
Frontend Engineer
Milind Zirpe
Senior Software Engineer
Milind Zirpe
Senior Software Engineer
Our Advisors
Catherine Flax
Catherine Flax
Managing Director, Head of Commodities, Americas - BNP Paribas
Advisory Role: Marketing, Business Development, International Growth

Catherine Flax is a Managing Director and the Head of Commodity Derivatives & Foreign Exchange, Americas. With a 20-year track record in financial services, Catherine has successfully developed strategies to build robust, client-centered franchises... Keep reading

Prior to her role as head of Commodities, Americas, Catherine was the CMO of J.P. Morgan, and before that she was the head of the Commodities business at J.P. Morgan for Europe, Middle East and Africa. In addition, she acted as Global Head of J.P. Morgan’s Commodity Finance business, Head of Global Commodities Marketing and Structuring, and co-head of the Energy Trading and Marketing business.

Catherine joined J.P. Morgan in 2005 and was nominated as the Most Influential Woman in European Investment Banking in 2011 and 2012, winning that award in 2012. She was recognized as one of the 100 most influential women in European Financial Markets (2010 and 2011). Catherine was named to the YWCA’s Academy of Women Leaders Class of 2011. A long-time champion of diversity, Catherine has served on the Investment Banking Inclusive Leadership Council as well as on the J.P. Morgan Chase Diversity Council. Her passion for volunteerism led to her Board seat for the non-profit Part of the Solution (POTS), an organization in the Bronx that serves the basic needs of the community.

Catherine has an MA from Brown University and a bachelor’s degree from Texas A&M University. She is married with three sons.

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Viju Joseph
Viju Joseph
Chief Risk Officer - Weiss Multi-Strategy Advisors
Advisory Role: Asset Allocation and Portfolio Construction

Viju Joseph is Chief Risk Officer at Weiss Multi Strategy Advisors, a $1.3B alternative asset manager where he is responsible for risk, portfolio construction and asset allocation. Viju is also on the Board of Trustees and Investment Committee of the University System of Maryland Foundation, assisting in managing a $1B college endowment in its asset allocation, risk management, and investment selection processes... Keep reading

Prior to joining Weiss, Viju was Chief Risk Officer at Eton Park Capital Management L.P. for eight years, a global alternative investments firm with approximately $12B under management. Before that, Viju managed a $500B balance sheet for the Institutional Equity Division at Morgan Stanley as Executive Director and Co-Head of Global Market Risk, Funding, Regulatory and Capital Management. At Morgan Stanley, he had prior roles as a portfolio manager of a global macro portfolio, as well as market risk management for over eight years.

Viju received his M.B.A. from the Smith School of Business at the University of Maryland in 1998 and his Bachelor of Technology in Mechanical Engineering from IIT Bombay in 1996.

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