Bailey Klinger
Chief Executive Officer
Bailey Klinger is CEO & co-founder of the Entrepreneurial Finance Lab. He is the original co-inventor of the EFL technology, and has led both the research and business initiatives to bring that technology to the market. His previous research has centered on entrepreneurship, structural transformation, and private sector growth in developing countries, and he has been published in leading Journals such as Science and the Journal of the Economics of Transition. Bailey has performed extensive field research throughout Latin America, Africa and Asia, and consulted for the World Bank, United Nations and Inter-American Development Bank as well as various other national governments and international organizations. Bailey has a Masters in Public Administration in International Development from the Kennedy School of Government, and a PhD in Public Policy from Harvard University.
Asim Khwaja
Chairman of the Board
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.
Dennis [DJ] DiDonna
Chief Operating Officer
Dennis [DJ] DiDonna is Chief Operating Officer of EFL. He is an experienced entrepreneur, with a sales, management, and operations background in the tech start-up space. DJ has also worked in micro-finance and development in Africa and Latin America and is currently based in Johannesburg. He received his B.A. in International Relations from Notre Dame and has an MBA from Harvard Business School.
Jared Miller
Director Latin America
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.
Darrell Grissen
Chief Technology Officer
Darrell Grissen is Chief Technology Officer of EFL. Darrell has broad technology and startup experience, most recently as part of a management team that opened US-based software company ExactTarget's first international office in London, England. In addition to his most recent international position, Darrell had a variety of key roles at ExactTarget in systems, sales engineering, and product management as the company grew from 70 people to 1000 worldwide. He received his B.S. in Finance and International Studies from Indiana University Bloomington and has an M.Sc in Computer Science from Imperial College London.
Emily Silberstein
Head of Asia
Emily Silberstein manages business development and operations out of EFL's Boston office. She manages the expansion of EFL's business to new regions, coordinates new R&D initiatives and develops the operational systems necessary to enable EFL's work to scale worldwide. Emily has a background in financial inclusion, with a focus on India where she has done project work in impact investing, microfinance, mobile payments and SME lending. Emily began her career at the nonprofit consulting firm, Root Cause, where she managed a venture philanthropy program and public-private partnerships. Emily has a MBA from Harvard Business School, a Master's Degree in International Development from the London School of Economics, and a BA from Amherst College.
Tunde Adepoju
Africa Business Development Manager
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).
Luke Shankland
Account Manager
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.
Colin Casey
Account Manager
Colin is an Account Manager for Africa and is based in Johannesburg. Colin joined EFL in July of 2012 and has worked on a range of projects spanning business development and R&D in Africa, Latin America and Southeast Asia. Prior to joining EFL, Colin worked in micro finance in Cape Town, South Africa, and extensively studied the political and economic development of Africa's emerging markets. Colin graduated with a B.A. in Political Science from Stanford University with honors from the Center on Democracy, Development, and the Rule of Law.
Juan Luis Podestá
Business Development Manager
Juan Luis Podestá is Business Development Manager for the Latin America and the Caribbean region and is based in Lima, Peru. Juan Luis is responsible for developing relationships with potential partners and stakeholders at local and regional levels, as well as defining the EFL business 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.
Natalia Carranza
Account Manager
Natalia Carranza is an Account Manager at EFL. Natalia supports the implementation of EFL risk analysis tools with Financial Institutions throughout the region. Natalia, a Citizen of Colombia, has worked in financial analysis and cost controlling in France and social performance analysis of financial institutions in Latin America. Natalia holds a B.A in Finance and International Affairs from Universidad Externado de Colombia and completed her last year of her B.A degree at Audencia Nantes School of Management in France. Natalia graduated from the European Microfinance Programme in Brussels in 2012.
Arielle Salomon
Account Manager
Arielle Salomon is an Account Manager at EFL. Before joining EFL, Arielle worked at Innovations for Poverty Action where she focused on research project management and public policy. She holds a Bachelors degree in Psychology with minors in French and Economics from the University of Pennsylvania.
Renato Sabato
Product Specialist
São Paulo
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.
Ross Mytton
Account Manager
Ross Mytton is EFL’s Account Manager in Indonesia. He has spent the better part of the last five years working in microfinance and international development in West Africa, India, Haiti, and Indonesia. With a passion for extending economic opportunities to unbanked/underserved entrepreneurs, Ross leverages his experience in developing markets to assist clients in the implementation and management of the EFL suite of risk analytics tools. He completed undergraduate studies at the University of Wisconsin-Madison, in International Relations and Spanish, and also holds an MBA from ESADE in Barcelona with a focus on Entrepreneurial Finance and Social Enterprise.
Luis Sanchez
Product Specialist
Mexico City
Luis is in charge of serving EFL clients in Mexico, Central America, and the Caribbean. Before joining EFL, Luis worked as a consultant for both Oliver Wyman NY and the Boston Consulting Group of Mexico. Luis has ample experience in financial services, especially risk and retail banking, as well as experience in industrial & consumer goods and oil & gas within Latin America markets. Luis has a B.S. in Economics, Political Science, and Business Administration summa cum laude from the University of the Ozarks in AR, USA.
Maddie Brandenburger
Account Manager
Maddie is an Account Manager 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.
Nehel Khanani
Account Manager
Nehel Khanani is the EFL Account Manager for Pakistan. She believes small business finance holds the power to propel exponential economic growth in Pakistan and is excited to leverage EFL's technology to galvanize SME finance across her home country. Nehel has an undergraduate degree from Stanford University, an M.A. from Karachi University and an MPhil from Cambridge University, where she was a Gates Scholar. Prior to joining EFL, Nehel worked on a range of public and private sector development initiatives in Karachi from improving public health provision and educational services to community mobilization. Nehel has a particular passion for using technology for development and founded a project to digitize vaccination records of the Pakistan government and has worked on research projects using handheld, GIS and RFID technology to capture health and demographic data in the city's slums.
Samir Ghosh
Business Analyst
Samir Ghosh joined EFL’s Mumbai team as a business analyst. He has worked in private equity and across number of social enterprises focused on financial inclusion in India. Prior to EFL, Samir started his own social enterprise enabling small local farms to market and sell their products directly to wholesale food purchasers. Samir graduated from Williams College where he double majored in Political Science and English.
Vididza Zoeger
Account Manager
Vididza is an account manager at EFL. Prior to joining EFL, she worked in 3 of the largest banks in the Peru in both product and risk areas. She also worked in the health sector developing the commercial area of the leading private hospital in Peru. She holds a Bachelor's Degree in Business Administration from Universidad del Pacífico and has graduate studies in Customer Relationship Management in Universidad Privada de Ciencias Aplicadas (UPC).
Silvana Soriano Ubillús
Business Intelligence Advisor
Silvana is a Business Intelligence advisor at EFL. Before joining EFL Silvana worked in leading fast-moving consumer goods companies in Peru, USA and Brazil. She has extensive international experience in supply chain management, project leadership, strategy design and performance management. She has also conducted business consulting in the financial services industry. Silvana graduated in Business Administration from Universidad de Lima and holds an MBA degree from The Fuqua School of Business at Duke University in North Carolina (USA).
Paola Franco
Finance and Administration Manager
Paola Franco is the Manager of Finance and Administration. She has an undergraduate degree in accounting and a masters in corporate finance from Peru's top business schools. Prior to joining EFL, Paola worked in the private sector in leading companies like Arthur Andersen Consulting, BellSouth, Bosch Siemens and Hyundai in a variety of accounting, operational, and managerial positions; then she worked for the government, first at the Ministry of Justice followed by the Ministry of Foreign Trade & Tourism, where she held senior management positions, spearheaded a number of process re-engineering and efficiency improvement projects, and lead financial and logistical support for the team negotiating the free trade agreement with the US.
Julia Reichelstein
EFL Fellow
Before joining EFL in 2014, Julia worked in development finance with an emphasis on microfinance in Africa. She co-authored a World Bank paper within the Global Financial Development Report, worked in monitoring and evaluation at the Millennium Challenge Corporation, and conducted risk analysis with a domestic microfinance bank. Julia graduated in 2014 with a B.A. in Economics from Stanford University. Since joining EFL, she has worked within the Product Team on performance metrics, product support organization, and in gathering database insights to bolster business development.
Kyle Meade
Product Manager
Kyle Meade is EFL’s Product Manager. He has been with EFL since 2009 moving with EFL from the research group at Harvard University to the private organization. He has worked closely with banks throughout Africa implementing EFL’s technology and has helped coordinate projects in Asia and South America for EFL. He holds an international bachelor of business administration from York University's Schulich School Business and has also studied at the University of Cape Town, Fudan University and Chulalongkorn University.
Alicia Casuso
Systems Developer
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.
Víctor Otazú
Database Analyst
Víctor Otazú is the database analyst at EFL. He is in charge of designing, creating and maintaining EFL databases in order to manage, organize and visualize its information. He is also responsible for the EFL scoring process and is the link between the EFL analytics and technology team. Before joining EFL, Víctor worked at Crediscotia Financiera, a subsidiary of Scotiabank Perú, for the Business Intelligence Department. He has experience in software development and expertise in business intelligence solutions. He holds a B. SE. degree in Software Engineering from Universidad Peruana de Ciencias Aplicas.
David Reiff
Product Analyst
Since joining EFL as a Fellow in July of 2013, David has worked closely with EFL’s Product team on projects involving product strategy, data analysis, and R&D. Prior to joining EFL, David was a part of an impact assessment team for a joint labor development initiative of the International Finance Corporation and International Labor Organization. David recently received his B.A. in Economics with highest thesis honors from Tufts University.
Carlos del Carpio
Head of Analytics
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.
Farshad Kheiri
Senior Data Scientist
Los Angeles
Farshad worked as a Machine Learning expert for a financial start-up in the US to build credit risk predictive models for sub-prime lenders for almost a year. He also worked as a consultant for a Hedge Fund in Los Angeles where he investigated and built forecasting models. Farshad received his PhD in Electrical Engineering with minor in Math from University of Alabama, preceded by two Master’s degrees in Electronics the first focused on biometrics and image processing and the second on Digital Communications. Farshad’s PhD work was on the active learning problem. He also pursued his research Post Doctoral studies in Neurology at UCLA medical center where he applied signal processing, artificial neural networks and Bayesian networks to study the heart and neural activities of the brain. Farshad has a BS in Electrical Engineering from Isfahan University of Technology.
Raquel Poblete
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.
Rosemary Ulfe
Rosemary Ulfe is an Analyst in EFL's Analytics Team. Previously, she worked as a Research Assistant at the Center of Economic and Social Investigation at Universidad de Piura, where she was a Teaching Assistant in Statistics, Microeconomics and Econometric courses. Rosemary recently graduated with a Bachelor's Degree in Economics from the Universidad de Piura.
Michael Frese
Psychological Advisor
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.
Thorsten Dlugosch
Psychological Advisor
Thorsten Dlugosch is a psychological advisor to EFL, and a PhD student at Leuphana University of Lueneburg. His core area of research is on psychological success factors of entrepreneurship, specifically on how to measure those success factors and how they can be influenced through training programs. This work extends to how training can be delivered through scalable technological platforms. In addition to psychology, Thorsten has significant training and experience in information technology and programming.
Dr. Tomas Chamorro-Premuzic
Psychological Advisor
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.
Gorkan Ahmetoglu
Psychological Advisor
Gorkan Ahmetoglu is a psychological advisor to EFL, and a Visiting Lecturer of Psychology at University of London and an Occupational Psychologist specializing in personnel selection and development. His core areas of research include Entrepreneurship, Leadership, Romantic Relationships, and Consumer Psychology. He is an expert in psychometric analysis and personality test development. Gorkan has published numerous articles in leading journals, and the publication of his book (co-authored by Dr. Tomas Chamorro-Premuzic) is expected in early 2012.


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