Edly Team

We’ve assembled a team with decades of experience in education finance, capital markets, and portfolio management.

Christopher Ricciardi


  • Treasurer & Director, American Fund for London School of Economics 2010 to present
  • Former CEO, Cohen & Company
  • Former Global Head of Structured Credit Products, Merrill Lynch
  • Former Head of US Structured Credit Products, Credit Suisse
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Charles Trafton

Senior Advisor | Co-Founder

  • Partner at FlowPoint Capital and FlowPoint Education Management
  • Former Portfolio Manager at The Boston Company Asset Management
  • Institutional Investor “All-America Research Analyst” at Cannaccord Genuity (formerly Adams, Harkness & Hill)
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Cecilia Pan

Managing Director

  • Director Structured Products at Merrill Lynch
  • Structured Credit, Risk at Bank of America, Credit Suisse, Castle Placement
  • Columbia Business School MBA
  • University of California, Berkeley
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Jeremiah Carroll, CAFP

Compliance Director

  • Compliance DirectorOver 15 years Banking and Financial Services Regulatory Compliance experience in roles covering Audit and second line compliance functions of small and large federally regulated institutions (GE Capital, Synchrony Bank, Santander N.A.)
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Mayur Dodeja


  • Former Head of Engineering at Fascet
  • Former Head of Engineering at Fascet 14 years experience in Financial Technology relating to Trade Processing, Security Master, Reconciliation
  • Former Senior Software Engineer at Rothstein Kass
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Blake Murphy

Managing Director

  • Managing Director
  • Senior credit and structured credit business development: Lehman Brothers, Bear Stearns, ED&F Man Capital Markets, and Rothschild Inc.
  • Launched structured credit prop-trading book at Fortis Bank 2003-2006
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Harry Birch

Managing Director

  • Associate at FlowPoint Education Management
  • Former Head of Product at PLAAY Sports tech company
  • Advisory Board Member, EVAmore music platform
  • Vanderbilt University
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Griffin Kugler


  • Recruiting assistant at Winston Resources
  • University of Richmond
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Justin Potts

Managing Director

  • Co-founder & Former CEO of Avenify
  • Marketing Manager at Republic, Product Hunt
  • University of Oklahoma
  • Hult International Business School
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Timo Sheridan

Managing Director

  • Co-founder & Former CTO of Avenify
  • Software Engineer at Payload
  • PM at the Center for the Creation of Economic Wealth
  • University of Oklahoma, Summa Cum Laude
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Rob Caskey


  • Senior Director of Marketing at Capital One
  • Head of Service Marketing at CARFAX
  • VP of Marketing and Sales at Liquidity Services, Inc.
  • COO and VP of Marketing, Simply Wireless
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Drew Jones


  • Ball State University
  • Personal Lines Agent at Ray Skillman Insurance Group
  • Account Specialist at Enterprise Commercial Truck.
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Helping students finish what they started

Backed by assets

Monthly income

Limited duration

Ease of investment

Professionally managed by Edly

Experience in investment management

Edly is a registered investment advisor whose principals have decades of experience with private credit investments.


Have questions?

Check out the FAQ to find answers on Edly Income Based Repayment Loans.


IBR Guiding Principles

Our mission to provide affordable and accessible tuition funding for all students.