Meet our senior team
Transforming an industry steeped in legacy takes expertise, vision, and grit.
Ramya Joseph
Ramya Joseph
CEO and FOUNDER

Ramya is the CEO and 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 CEO, founder, wife, and mother, Ramya relates closely to the challenges that all of us face in making life decisions and planning ahead for them.

Anthony Caneva
Anthony Caneva
CEO of Pefin Australia

Anthony is the CEO of Pefin Australia. With an extensive background in financial planning, technology and investment banking, Anthony is leading the expansion of Pefin's platform in Australia. Anthony has a Masters of Applied Finance and an MBA (Magna cum Laude). As a former adviser and technology manager within the industry, Anthony understands the value of good advice and the inherent difficulties in providing it within such a highly regulated market. Anthony is excited to help advisers run better businesses, and help consumers access more convenient, affordable advice via Pefin.

John Crittenden
John Crittenden
Chief Strategy Officer

John is the Chief Strategy Officer of Pefin. Before Pefin, John has been engaged in the digital transformation of wealth management since the movement’s earliest days as one of the first executives at Acorns, as the Founder of Mondigi, and as an advisor to multiple industry participants on product, pricing, marketing and overall strategy. John began his career with traditional firms, both retail and institutional, including Morgan Stanley and is a Chartered Alternative Investment Analyst (CAIA) and a Certified Wealth Manager.

Gleeson Dsouza
Gleeson Dsouza
Director and Head of Pefin India

As Director and Head of Pefin India, Gleeson is responsible for the operation and delivery execution for our India offices. Gleeson's expertise lies in building high functioning technology and engineering teams from ground zero to deliver global technology solutions. Before Pefin, he was an early part of the team at a healthcare startup called Liazon where he built and scaled high performance teams from scratch, designing and delivering solutions in the healthcare technology domain. He has a Master's degree in Management Information Systems (MIS) from SUNY, BUFFALO. In his free time, he likes to discuss startups, mentor young people and play with his pet dog. Gleeson is based out of Mangalore, India and wants to contribute significantly to the Mangalore IT and Startup sphere.

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
President and CIO

As President and CIO, Viju leads the scaling and expansion of Pefin's product offering. Viju has been an early investor and advisor to Pefin providing strategic insights and guidance to the management team. His career in finance included Chief Risk Officer at Weiss Multi-Strategy Advisors, where he was responsible for risk, portfolio construction, and asset allocation for a $1.5B portfolio. Viju is also on the Board of Trustees and Investment Committee of the University System of Maryland Foundation, assisting in managing its $1B endowment. Prior to Weiss, Viju was Chief Risk Officer at Eton Park Capital Management, a $14B Hedge Fund during his tenure. Before that, Viju was an Executive Director and Co-Head of Global Market Risk in the Institutional Equity Division of Morgan Stanley where he was responsible for risk, treasury and capital management for the firm’s $500B balance sheet. Viju has an MBA from the University of Maryland and a bachelor’s degree from IIT Bombay. Viju lives in Larchmont, NY with his wife and two young children.