Forward-thinking and experienced leadership in financial services.

  • Ed Ojdana

    Executive Chairman

    Ed Ojdana serves as Executive Chairman of Scorenomics Inc.and SavvyMoney, Inc.

    Prior, Ed served as CEO of Experian Interactive, a business unit of Experian, the global information services company. Ed founded (known as which was acquired by Experian. More recently he was a board member of Velocify, which was acquired by Ellie Mae in 2017. He currently is on the advisory boards of The University of Notre Dame’s IDEA Center and UC Davis Department of Viticulture and Enology. He and his wife own and operate a small winery in Napa Valley.

  • Nicolas Jofre

    Head of Product

    Nic is responsible for building Scorenomics’ product offerings, which blend behavioral science, predictive data, and financial education. He also leads product commercialization and manages strategic client partnerships.

    Prior to financial services Nic worked in philanthropy, investing in mission-driven social impact organizations. He holds a BA from Harvard College.

  • Hutch Carpenter

    Chief Scientist

    As Chief Scientist, Hutch Carpenter oversees data analytics, the development of behavioral measures and the application of Scorenomics data to achieve significantly better outcomes for clients.

    Hutch brings over 20 years of experience in banking, financial technology and innovation. He has worked in credit markets with Bank of America, and built credit algorithms for scoring small businesses and sole proprietors. He also has advised clients on establishing programs that foster innovation.

    Hutch holds a Bachelor degree from the University of Virginia, and an MBA from the University of Virginia Darden School.

  • Lewis Wright

    Chief Experience Officer

    Lewis Wright oversees the Creative and Technology teams.

    Lewis brings 20 years of experience as an award-winning designer, leader and number nerd. Most recently, with Experian (e.g., he managed creative for product development, top-performing advertising, user interface design, brand creation and affinity partnerships. His prior experience includes creative roles with, and

    Lewis earned a BFA from Washington State University.

  • Rajesh Muthu

    Senior Director of Engineering

    As Senior Director, Rajesh Muthu is responsible for managing all aspects of technology initiatives.

    Rajesh brings 15+ years of software industry experience from various verticals such as Healthcare, Entertainment, Advertisement, and Financial Services. Previously, Rajesh worked on various roles in Phunware, specifically on mobile and server-side development.

    Rajesh holds a Masters Degree from California State University, Sacramento CA.

  • Annie Cheung

    Senior Vice President of Finance and Operations

    As the Senior Vice President of Finance and Operations, Annie Cheung is responsible for the financial management, planning, reporting, and analysis for the organization and the Board of Directors.

    Annie brings over 20+ years of experience in financial services, media and entertainment, event planning and production sectors. Prior to joining Scorenomics, Annie played various financial, business development and strategic roles at Bentley Meeker, Wayfare Entertainment, Showtime Networks, Lehman Brothers and McKinsey & Co.

    Annie has a Master of Business Administration from New York University Stern School of Business with majors in international finance, accounting and marketing and a Master of Science in Risk Management from St. John’s University. She is also a certified CMA.

Board of Directors & Investors

  • Larry Rosenberger

    Larry Rosenberger has had an over 40+ year career at Fair Isaac (FICO). His roles ranged from client project manager, leading research and product development, CEO, leading Analytic R&D, and now Research Fellow. Additionally, Larry works with early-stage companies and non-profits.

    Larry's career focus has been on imagining and creating business analytic-centric solutions using novel combinations of data and human domain expertise to help providers make better decisions on their customers/members and prospects, and to help people who are considering or have decided to change a behavior.

  • Robin Ferracone

    Robin Ferracone is founder and Chief Executive Officer of Farient Advisors, an executive compensation and performance advisory firm. Prior to forming Farient in 2007, Robin was President of the Human Capital business of Mercer, a business which included talent and compensation consulting, software, and data services globally.

    With over 30 years of consulting experience, Robin has deep expertise in talent management, corporate stewardship, and strategy. For nine years, Robin has been named to the NACD Directorship 100, a list of the most influential people in corporate governance and the boardroom.

  • Paul MacCaskill

    Paul has worked for over 30 years with numerous Fortune 500 companies in the financing, administration, and investment aspects of non-qualified executive benefit plan liabilities. Paul is a founding member of M Financial Group, one of the nation’s premier financial services design and distribution companies, serving the ultra-affluent and corporate markets through an exclusive network of more than 125 of the nation’s most successful and innovative financial services firms.

    Along with Robin and Ed, Paul was one of the original investors in