Meet our management & advisory team
Transforming an industry steeped in legacy takes expertise, vision, and grit.
Ramya Joseph
Ramya Joseph
FOUNDER

Ramya is the Founder of Pefin. Before Pefin, she 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. 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.

Catherine Flax
Catherine Flax
CEO

As CEO, Catherine leads the business and growth strategy for Pefin. Prior, Catherine was the Managing Director and Head of Commodity Derivatives, Americas at BNP Paribas. Before BNP, Catherine was the Chief Marketing Officer for all of J.P. Morgan's businesses, globally. Catherine was nominated as the Most Influential Woman in European Investment Banking in 2011 and 2012, winning that award in 2012. Catherine has an MA from Brown University and a bachelor’s degree from Texas A&M University. She is married with three sons.

Jay Gopalakrishnan
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 and launching startups successfully to market. He has been part of the leadership team at Pefin since 2013. He has a Masters degree in Computer Science from NYU Courant. Jay has a keen eye for consumer technology innovation, and in his free time, is a gaming enthusiast.

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, where he is responsible for risk, portfolio construction, and asset allocation for a $1.8B portfolio. Viju is also on the Board of Trustees and Investment Committee of the University System of Maryland Foundation, assisting in managing its $1.1B endowment. Prior to Weiss, Viju was Chief Risk Officer at Eton Park Capital Management L.P. Before that, Viju was an Executive Director and Co-Head of Global Market Risk at Morgan Stanley. Viju has an MBA from the University of Maryland and a bachelor’s degree from IIT Bombay.