Who we are?

Perfios (PERsonal FInance One Stop – www.perfios.com) is a newage Fintech company that provides innovative solutions in the Personal Finance and related areas. The B2C Personal Finance Management (PFM) solution provided by Perfios offers a 360 degree view of one’s personal finance in an automated way and lets an end user track, monitor and manage her finance with very little manual intervention. It already has more than 5,00,000 registered users and has been deployed for more than 6 years now. Perfios is leveraging its core technologies in automating key aspects of certain common business processes in Financial Institutions.

Perfios Insights, a B2B solution used by various Banks, NBFCs and corporates automates the entire process of financial checks, verification and extraction of KYC details that is currently manually done. Perfios Insights can help in dramatically improving the turn-around time for processing an application (Loans, Credit Cards, Insurance etc.) whether it originated from an offline or an online channel, thus delighting the prospective clients. As a result, the entire operational process is improved, resulting in lower cost, higher accuracy, superior user experience and resulting increased user acquisition. So, any process that involves financial verification and underwriting can benefit from using Perfios solutions.

Perfios supports more than 1000+ different types of E-Statements and 250+ Financial Institutions for automatic fetch at its platform. Both the B2C and B2B solutions are used by various Banks, NBFCs and corporates as well as end users (B2C Solution).

The promoters and key executives at Perfios have had long, successful stints at organizations leveraging the best-of-the-breed technologies to build intuitive, secure software applications for the Banking and Financial Services (BFS) sector. The founding team members have served as C-level executives in several multinational organizations and have been instrumental in setting up and managing global delivery teams. The members have also successfully transformed several start-up software companies into large, public, profit-making enterprises.

Management

V.R. Govindarajan (Govi)
Co-founder
As a co-founder, Director of Perfios, Govi is responsible for setting and executing the vision for the company and ensuring that Perfios becomes the most trusted name in the Personal Finance software space in India.
Govi has more than 25 years of experience in the IT industry in both US and India. Prior to co-founding Perfios Software, Govi was a co-founder, CTO and member of the Board at Aztecsoft, a pioneer in the Offshore Product Development space. Under Govi’s technical leadership, Aztecsoft grew to be a strong technology-oriented company, went public in the Indian markets with operations in India, US and Europe. Earlier in his career, Govi has worked extensively in the database technology area with Digital Equipment Corporation (DEC) and IBM. Govi has a MS in Computer Science from University of Massachusetts, Amherst and a BE in Electrical and Electronics from Indian Institute of Science, Bangalore. He is quite active in the database technology community and is part of various conferences organized in India and elsewhere.
Debasish Chakraborty (DChak)
Co-founder
DChak is the Chief Technical nerd and co-founder of Perfios. Spending 22 years in the software industry cost him much of his hair. After surviving B. Tech and M. Tech programs respectively from IIT Kharagpur and IIT Kanpur.

DChak spent several years in Wipro writing optimizing compilers. The compilers had a good market thanks to lack of foreign competition due to Govt’s restrictive policy. He later joined IBM India and moved around IBM T J Watson Labs and Almaden Research Labs doing device driver and database related works. In 1997 he joined Govi at Aztec as one of the founding members. During the Aztec years he developed stuff known as frameworks and App servers and enjoyed the role of Architect for the captive audience of software developers.At Perfios, he is back to his favorite role, leading the team to architect and implement the Perfios product lines. A well-known OCD (Obsessive Compulsive Disorder) patient, he is known to lose his cool even if a space character is out of place while reviewing software programs.

V.R. Govindarajan (Govi)
Co-founder
As a co-founder, Director of Perfios, Govi is responsible for setting and executing the vision for the company and ensuring that Perfios becomes the most trusted name in the Personal Finance software space in India.

Govi has more than 25 years of experience in the IT industry in both US and India. Prior to co-founding Perfios Software, Govi was a co-founder, CTO and member of the Board at Aztecsoft, a pioneer in the Offshore Product Development space. Under Govi’s technical leadership, Aztecsoft grew to be a strong technology-oriented company, went public in the Indian markets with operations in India, US and Europe. Earlier in his career, Govi has worked extensively in the database technology area with Digital Equipment Corporation (DEC) and IBM.Govi has a MS in Computer Science from University of Massachusetts, Amherst and a BE in Electrical and Electronics from Indian Institute of Science, Bangalore. He is quite active in the database technology community and is part of various conferences organized in India and elsewhere.

Debasish Chakraborty (DChak)
Co-founder
DChak is the Chief Technical nerd and co-founder of Perfios. Spending 22 years in the software industry cost him much of his hair. After surviving B. Tech and M. Tech programs respectively from IIT Kharagpur and IIT Kanpur.

DChak spent several years in Wipro writing optimizing compilers. The compilers had a good market thanks to lack of foreign competition due to Govt’s restrictive policy.He later joined IBM India and moved around IBM T J Watson Labs and Almaden Research Labs doing device driver and database related works. In 1997 he joined Govi at Aztec as one of the founding members. During the Aztec years he developed stuff known as frameworks and App servers and enjoyed the role of Architect for the captive audience of software developers.At Perfios, he is back to his favorite role, leading the team to architect and implement the Perfios product lines. A well-known OCD (Obsessive Compulsive Disorder) patient, he is known to lose his cool even if a space character is out of place while reviewing software programs.

Aditya Prasad
Chief Evangelist
Adi is the Chief Evangelist at Perfios and has been with the company from the very early days. Adi handles business development, sales, marketing, social media and also actively participates in the product development. Adi has done his graduation in Commerce from Delhi University and MBA in Marketing from ITM, Bangalore. Adi has 14+ years of experience in Sales/Business Development and has earlier worked with Mindtree Ltd., naukri.com, ICICI Prulife and William Penn. Has tried his hands on HTML writing and website designing as well.

Ramgopal Subramani
VP, Engineering
Ram has 21+ years of experience in software product development and has earlier worked with various product companies in helping them build their product. As a VP Product, he manages the product roadmap, work closely with engineering team in creating world class products, engage with enterprise clients in solution delivery.

Sabyasachi Goswami
VP, Sales
With around 16 years of experience, he has attained proficiency in Business Development, Sales Strategy, Operations, Sales and Marketing activities. With proven skills in breaking new avenues, driving revenue growth and proactively conducting opportunity analysis he has accomplished multi fold revenue increase. Being a keen strategist with expertise in managing entire sales & marketing operations, ensuring optimal utilization of resources, executing corporate strategy comes naturally to him. He is Proficient in developing & streamlining systems with proven ability to enhance operational/ administrative effectiveness and creating initiatives and designing events for increasing sales drive. His past experience is with some of the prestigious ventures like Axis Bank, Standard Chartered Bank, Kotak Mahindra Bank, IDBI Bank, HDFC Bank to name a few. Prior to Perfios, he was associated with Sunoida Solutions as Head of ME & APAC. With strong communication, collaboration & team building skills, Sabyasachi has received several awards for exceptional performance.

Company Advisors

Sundarrajan

Sundarrajan is a finance professional with over 25 years of experience in Finance, Business Strategy and operations. He has recently founded Numinous Consulting, specializing in consulting services in the areas of Capital, Finance, Operations, M&A and CFO services.

A.G.Muralikrishnan

Murali is a qualified Chartered Accountant- is the Founder & CEO of Ujwal management Services Limited http://www.ujwal.net, a company focused on assisting global technology corporations setup their offshore operations in Bangalore, India.

Vikram Shah

Vikram Shah is the President of Network Appliance (NetApp) Operations in India. NetApp is a leading provider of innovative solutions that simplify the complexities of data management.

Dr. Sridhar Mitta

Dr. Sridhar Mitta, is the Managing Director and Founder of NextWealth Entrepreneurs Private Limited, Bangalore, India, which promotes Social Entrepreneurship. NextWealth identifies business opportunities with a social intent and helps entrepreneurs to build commercial.

Dr. Ashish Gupta

Dr.Ashish Gupta is a co-founder of Helion Venture Partners http://www.helionvc.com/ and serves on the boards of Gridstone Research, Jivox, Kirusa, MuSigma, Naukri.com, and SMS Gupshup.

P. Surendra Pai

Mr. P. S. Pai is an industry veteran having built/grown multiple large well known enterprises in his illustrious career. Prior to his retirement, he served as the Executive Chairman of the highly diversified Murugappa Group in Chennai from October 2002-06.

V. Chandrasekaran

V. Chandrasekaran (or VC as he is called) has an impeccable track record of turning around businesses and operations. His association with world class companies is listed below.