Who we are?

Perfios is the leading product technology company in the FinTech space enabling Financial Institutions in realtime decisioning, analysis and credit underwriting. Perfios helps in banks statement analysis (APIs and portal), e-verification, financial analysis, Fraud check, Form 26AS, ITR, PAN, Aadhar, Personal Finance Management APIs etc. Perfios currently works with 100+ clients including Banks, NBFCs, Digital Lending platforms, Mutual Fund Companies, Insurance companies etc., in India and abroad.

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 32 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 30 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 15 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 25 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 17 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

Nimish Dwivedi

Nimish Dwivedi has vast experience in various aspects of Banking Domain, having worked with leading Banks and Fis worldwide such as VP Bank, Vietnam, Mashreq Bank UAE, Stanchart Hongkong, Citi Japan and India and Paypal, Singapore.

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.

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.

Ponnapa PG

Ponnapa PG seasoned Management & Marketing professional with a diverse range of industry expertise. Lead marketing Initiatives at Asian Paints, Black & Decker, Motorala & AOL across FMCG, Internet, & Mobile VAS.