Asim Khwaja is co-founder of EFL and Chairman of the Board. He is also professor of Public Policy at the Harvard Kennedy School of Government. His areas of interest include economic development, finance, education, political economy, institutions, and contract theory/mechanism design. His research has been published in the leading economics journals, such as the American Economic Review and the Quarterly Journal of Economics, and has received coverage media outlets such as the Economist, NY Times, Washington Post, Al-Jazeera, BBC, and CNN. Asim received BS degrees in economics and mathematics with computer science from MIT and PhD in economics from Harvard.

Jared Miller is the Director for Latin America at EFL. Before joining EFL, Jared most recently served as a Vice-President of Citigroup and held positions in their Consumer and Institutional Clients businesses. Jared was part of the team at CGAP/World Bank that launched Microfinance Information Exchange (MIX) and managed MIX’s Latin America operations and office. He also opened and managed the Latin American offices of Planet Rating SAS – a global rating agency specialized in microfinance – and was an instructor of risk management in the Boulder Microfinance Training Program. Jared has a B.A. from Middlebury College and an MBA from Harvard Business School.

Tunde Adepoju oversees EFL business development in West Africa. Tunde is an experienced entrepreneur with background in banking and finance. His banking experience spans domestic and international operations, credit analysis, business development, risk management, and turnaround management. He has worked with major Nigerian banks and a discount house at senior management level. His entrepreneurship experience focuses on financial and business advisory services for start ups and small businesses. Tunde has B.Sc degree in Accounting and he is a chartered accountant. He also attended Senior Management Program (SMP) of Lagos Business School (in affiliation with IESE Spain) and Harvard Business School, Comprehensive General Management Program (GMP).

Maddie is an Implementation and Business Development Associate at EFL. Prior to joining EFL, Maddie worked as an IDEX Fellow with Gray Matters Capital in Hyderabad, India, researched microfinance in East Africa, and worked at Grameen Foundation in Washington, DC. Maddie graduated from Wake Forest University with an Economics Major and Double Minor in International Development Policy and Anthropology.

Joseph LaMonte is EFL's Legal & Strategy Advisor and an Account Manager for Latin America. He is responsible for coordinating implementations of the EFL Tool in the Latin America region, performing regulatory and legal reviews for new markets, and helping to prepare and structure EFL's wider international expansion. Prior to joining EFL, Joseph practiced business litigation in the United States. He received his B.A. in Economics and Chemistry from Cornell University and his Juris Doctor from the University of Michigan School of Law.

Juan Luis Podestá is Account Manager for the Latin America region and is based in Lima, Peru. Juan Luis is responsible for managing the implementation of the EFL Tool, maintaining EFL’s partner relationships, as well as helping define the EFL market strategy and roadmap for the region. Prior to joining EFL, Juan Luis worked at the International Finance Corporation (IFC) in Washington DC, Mexico and Peru, developing and supporting advisory services projects, for Access to Finance in Latin America, particularly targeted to Small and Medium Enterprises (SME). Before joining the IFC, Juan Luis gained financial and banking experience in two of the largest banks in Peru, acquiring expertise in SME and retail banking, profitability analysis and project management. Juan Luis holds a B.A. in Economics from the Universidad de Lima and holds a joint MBA degree from McCombs School of Business from the University of Texas at Austin and Universidad ESAN in Peru.

Luke Shankland is EFL's Account Manager for Africa. After beginning his career in logistics and project management in the extractive industries, Luke worked as a field coordinator with Doctors Without Borders in Nigeria, Chad-Sudan, C.A.R. and Pakistan. Luke has managed teams of up to 250 people in fast-moving and challenging contexts and has a passion for using his organizing skills and strategic insights to bring new and innovative solutions to emerging markets. He has a B.A in Philosophy and Mathematics from MacGill University and an IMBA from the Schulich School of Business where he studied finance and strategy.

Renato co-manages innovations in data and operations for the EFL product suite and implementations of EFL's risk analysis tools. Renato joins EFL from McKinsey & Company where he consulted for multiple projects including commercial strategic redesign, operational turnaround, and a sustainability enhancement for an entire Brazilian sector. Renato has also worked as an intern at Porsche Engineering Services and Whirlpool. Renato holds a B.S. degree in mechanical engineering at the Polytechnic School of the University of São Paulo and a B.A. degree in business administration from Mackenzie University.

Penelope Silva is the Communications Manager at EFL. She oversees management of EFL’s marketing initiatives including branding, promotional media, and a variety of other print and digital communication resources. Prior to joining EFL, Penelope worked in Investor Relations at Fortress Investment Group, LLC in New York. She worked on all aspects of corporate communications including press releases, maintenance of corporate websites, conferences, shareholder meeting coordination, as well as supervised marketing updates and company performance metrics. She also brings experience in industry research, qualitative benchmark reporting, and design of customer product information as a former Consultant at The Healthcare Management Council in Boston. Penelope holds a B.A. degree in Mandarin from Williams College and has studied at The Capital University of Economics and Business in Beijing, The National Taiwan Normal University in Taipei, and the University of Guadalajara in Mexico.

Alicia Casuso is the Systems Developer at EFL responsible for analyzing, designing, implementing and supporting internal applications and processes. She has extensive experience as manager and developer of software solutions for international companies of all sizes ranging from startups to Fortune 1000. Alicia has an advanced degree in Computer Technology from the Southern Alberta Institute of Technology in Canada.

Roger is a Platform Analyst at EFL, and among other responsibilities is in charge of the development of the EFL Application for each of our Partners. Roger has broad IT experience including leading implementations of ERP systems. He previously worked at a microfinance institution implementing QA process for software development. He graduated as a Systems Analyst from Cibertec, a Peruvian IT institute, and is currently studying Industrial Engineering at the Universidad Peruana de Ciencias Aplicadas (UPC).

Carlos del Carpio is Head of Analytics in EFL's Lima office, responsible for data quality control, analysis, and model building. Prior to joining EFL, Carlos worked for the largest commercial bank in Perú where he developed credit risk models for corporate clients using a variety of credit scoring technologies. Carlos has research experience in credit and market risk modeling, as well specialized training in financial economics and applied econometrics. He holds a B.A. in economics from Pontificia Universidad Católica del Perú.

Raquel Poblete is a Junior Analyst in EFL’s Analytics Team. Prior to joining EFL, Raquel worked in the credit risk management and analysis areas at a Microfinance institution and a Commercial bank. She carried out her undergraduate studies at the Universidad del Pacífico and holds a Masters degree in Economics from the same university.

Michael Frese is a psychological advisor to EFL, and Professor at the National University of Singapore and Leuphana University of Luenburg. He is the former President of the International Association of Applied Psychology, former editor of the Journal of Applied Psychology: An International Review, and has served on the editorial boards of the Journal of Applied Psychology, Journal of Organizational Behavior, Journal of Occupational Health Psychology, Journal of Occupational and Organizational Psychology, Journal of Small Business Management, and Journal of Business Venturing, amongst others. Professor Frese has authored more than 20 books and 250 articles, and was an editor of the book ‘The Psychology of Entrepreneurship’ as well as the special editions on ‘Entrepreneurship in Africa’ in the Journal of Developmental Entrepreneurship and ‘Psychological Approaches to Entrepreneurship’ of the Journal of Work and Organizational Psychology.

Dr. Tomas Chamorro-Premuzic is a psychological advisor to EFL, and an international authority in personality and psychological profiling. He is a Reader at Goldsmiths College, Research Fellow at UCL, Visiting Professor at NYU, and has previously lectured at the London School of Economics. He has published more than 100 scientific articles and 5 books. Dr Tomas has held the Chair of Learning and Teaching for Goldsmiths' Psychology department and is currently Head of Employability and Engagement.