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Applied Data Finance Strengthens Executive Team with Key Leadership Appointments to Accelerate AI-Driven Lending

via Business Wire

Applied Data Finance (ADF), a fintech innovator dedicated to expanding fair and responsible credit access for underestimated U.S. consumers through AI-powered underwriting, today announced appointments to its executive and leadership teams, further solidifying its commitment to providing scalable, transparent, and data-driven lending solutions.

Deena Narayanaswamy Appointed EVP of Credit Risk

Deena Narayanaswamy has nearly two decades of experience in credit risk management and data science, having held senior roles at top fintech and financial services companies. Most recently, he served as Head of Credit at OnePay (formerly One) and previously held senior credit and data roles at Climb Credit, OppFi, Avant and FICO. Deena has also played critical roles in shaping predictive modeling and fraud prevention strategies in the fintech sector. He holds a Master of Science in Computer Engineering from the University of Minnesota and has completed executive education at the University of Chicago Booth School of Business.

At ADF, Deena will oversee the company’s enterprise-wide risk strategy, focusing on credit risk, fraud oversight, regulatory compliance, and model risk governance. He joins ADF’s executive leadership team and will play a pivotal role in scaling the company’s AI-driven lending operations.

Vijay Ravichandran Appointed EVP of Data Science and Analytics

Vijay Ravichandran brings ADF a wealth of experience from his time at leading fintech and financial services companies. Most recently, he was the Head of Decision Science at OnePay (formerly One), where he was part of the founding team for their India operations. Previously, he worked at Paytm and TransUnion where he led data science initiatives focused on credit risk and fraud prevention. He holds a Master of Science in Machine Learning and Data Science from Northwestern University.

Vijay’s deep knowledge of fraud mitigation, machine learning models, and data science governance will be instrumental as ADF continues to expand its AI-powered lending platform.

“Deena and Vijay are successful fintech executives with proven track records and extensive experience in credit risk, data science and AI that will further strengthen our platform offerings and empower ADF to provide fair credit access to underestimated consumers,” said Joseph Toms, CEO of Applied Data Finance.

About Applied Data Finance

Applied Data Finance (ADF) is a technology-driven financial services company dedicated to empowering underestimated consumers through AI-powered lending and compliance solutions. Through its Personify Financial brand, ADF has provided over $1.7 billion in loans — helping individuals achieve greater financial security. Additionally, ADF’s proprietary AI and compliance platforms support financial institutions by delivering risk-adjusted credit models and regulatory monitoring tools. By combining data science, artificial intelligence, and decades of financial expertise, ADF is redefining consumer finance — ensuring access to credit is transparent, fair, and built for long-term financial success.

Learn more at www.applieddatafinance.com and www.personifyfinancial.com.

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