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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
FOUNDER
Ramya Joseph
FOUNDER
Catherine Flax
CEO
Catherine Flax
CEO
Jay Gopalakrishnan
CTO
Jay Gopalakrishnan
CTO
Bala Mikkilineni
Senior Database Engineer
Bala Mikkilineni
Senior Database Engineer
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
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
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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