Ram has over 15 years experience across the consumer banking and buy-side sectors. Prior to founding PeerIQ, Ram was the CIO of Winged Foot Capital an investment advisor responsible for managing an alternatives portfolio via investments in hedge funds, real estate, and late-stage venture capital. Ram is best known for his background in statistical arbitrage and consumer credit. Previously, Ram was a Senior Vice President at Bank of America-Merrill Lynch and member of the Cards & Deposits executive management team responsible for investment decisioning a $120 Bn credit portfolio. Prior to this role, Ram was a Vice President at the Merrill Lynch Global Bank Group. As a management consultant at Inductis, Ram advised Fortune 50 financial firms on statistical decision-making frameworks for acquisition and risk modeling. Ram received a B.A. in Economics-Philosophy from Columbia University and is a CFA charterholder.