Our Collective Approach

We Are People Lending To People

We’re not just a team — we’re a collective of curious, creative, powerhouses.  We’re entrepreneurs too, so we get the hustle, the heartburn, and the huge highs.

We’re experts — especially in spaces like CPG — but what really sets us apart is the way we show up: collaborative, kind, and all-in on quality of life. Happy teams make magic happen, and that’s exactly what we aim to deliver.
 We keep things personal. Boutique. White-glove all the way.
Bottom line: relationships fuel us.

Get To Know Us

Meet The JPalmer Team

Our greatest asset is our people

Founder and CEO

Jennifer Palmer

A respected and accomplished leader in the commercial financial industry, Jennifer Palmer has two decades of experience driving growth and innovation.

Chief Financial Officer

Laura Newman

Laura Newman is a CPA who has spent her career in the accounting and financial services industries. Laura began her career on Wall Street and is “Big 4” trained.

SVP of Operations

Celina Rambaran

With over 15 years of experience in the Asset-Based Lending industry and a strong background in operational leadership, Celina has played a crucial role in driving operational excellence, optimizing workflows, and ensuring regulatory compliance throughout her career.

Head of Underwriting

Frank Nicoletta

Frank Nicoletta is a seasoned Asset-Based Lending professional with over a decade of experience spanning underwriting, portfolio management, and credit risk across both large corporate and middle-market sectors. He has led ABL transactions ranging from $20 million to $300+ million across diverse industries.
business financing partner USA

HEAD OF MARKETING

Riley Reh

As Marketing Manager, Riley Reh brings to JPalmer Collective a deep understanding of the financial landscape and leverages her insights to enhance JPC’s marketing efforts. She is dedicated to helping support partner communication and to providing clients with the white glove service synonymous with the JPC firm.

Business Development
Officer

Eunice Kepka

Eunice Kepka is a Business Development Officer at JPalmer Collective, where she connects growth-stage brands with creative financing solutions tailored to their unique needs. She brings proven expertise sourcing factoring deals, cultivating client relationships and supporting cross-functional teams across sales, marketing, underwriting, and operations.

Collateral Analyst

Sarah Walsh

With strong analytical skills and a passion for connecting market trends, Sarah Walsh draws on her banking experience as a financial analyst and risk controls specialist to help JPalmer Collective drive growth and enhance the firm’s strategic support for fast-growing brands.

Head of Risk

Karen Marino

Karen brings over 20 years of ABL experience to her role as Head of Risk Management at JPalmer Collective, where she partners with credit teams to underwrite and manage client relationships while identifying, assessing, and mitigating risk. She is also active in industry leadership, having served on the board of SFNet’s National Young Professionals, the Education Committee, and the New Jersey Chapter.

Account Executive

Tom Giordano

Tom has nearly five years of experience in ABL, with a background in sales, operations, and underwriting. Formerly a collateral analyst, he brings strong operational insight to his role as an account executive and is committed to relationship driven, white glove service.

Chief of Staff

Ellie Jester

As Chief of Staff at JPalmer Collective, Ellie partners with leadership to execute strategic initiatives, optimize operations, and drive progress across the firm.

SVP Portfolio Manager

Elena Goynatsky

Elena Goynatsky brings more than 25 years of asset-based lending experience to her role as Senior Vice President, Portfolio Manager at JPalmer Collective, where she oversees portfolio performance and partners closely with leadership to support disciplined growth and long-term value creation. A seasoned credit and portfolio management professional, Elena has deep expertise across underwriting, relationship management, and risk oversight. She is actively engaged in the finance and nonprofit communities and currently serves on the boards of the New York Institute of Credit, the Needlers Foundation, and WHOW of NY (Women Helping Other Women).

Business Development Officer

Jonathan Joubran

Jonathan Joubran is a CPG finance specialist with more than five years of experience funding high-growth consumer brands. Over the course of his career, he has supported more than 200 CPG and e-commerce companies, deploying over $160 million through inventory and revenue-based financing solutions. Based in Toronto, Ontario, Jonathan works with JPalmer Collective clients to structure tailored asset-based lending (ABL) solutions that help brands unlock working capital and scale with confidence. 

Sr. Collateral analyst

Lisa Gibson

Lisa brings more than 25 years of experience in the ABL and factoring industry, where she plays a key role in managing accounts and maintaining strong, positive client relationships. 

Alexandra Headshot

VP Finance

Alexandra L. Park, CPA

Alex Park is a CPA and accomplished finance leader with over 15 years of experience in accounting and finance operations across various industries in complex organizations. She brings a thoughtful, collaborative, and results-driven approach to achieving operational efficiency and scalable growth. 

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Marketing Coordinator

Kirin Kunukkasseril

Kirin Kunukkasseril blends a background in strategy with a passion for storytelling, drawing on her experience in Citibank’s Finance Rotational Program – where she worked across Strategy and the CFO’s Chief of Staff team – to support executive-level insights, performance analysis, and strategic initiatives. 

Our Board

GERALD JOSEPH

Chairman of Advisory Board

Gerald Joseph

Gerald grew up in a small rural town in South Africa and graduated from the University of Cape Town with a B.Com and continued on to a CTA and obtained his Chartered Accountant designation in 1975. Gerald joined the Gerber Goldschmidt Group in 1982 in the Cape Town branch of their trade finance subsidiary. After a couple of years, he relocated to Johannesburg and was appointed CEO of Gerber Goldschmidt Finance.

Jack-Gindi

Board Member

Jack Gindi

Jack Gindi is a Principal at ASG Equities, overseeing a diverse portfolio of retail, industrial, multifamily, office, and hospitality holdings across urban markets in the U.S., Canada, and the UK. He is also a partner at Mercer Labs, a Museum of Art and Technology located in Manhattan’s Financial District. Jack serves as Chairman of the Board of Hearts of Gold, a nonprofit dedicated to breaking the cycle of homelessness for New York City’s single mothers and their children. In addition to his business and philanthropic work, Jack is also a filmmaker and playwright.

Adam Razik

Board Member

Adam Razik

Adam Razik is a seasoned leader in the food and beverage industry with 20 years of experience scaling premium, better-for-you brands. He is currently President of Archer Meat Snacks, where he has driven 6x topline growth and helped establish the brand as the #4 largest meat snack company in the U.S. Previously, he held leadership roles at PepsiCo in the Naked Emerging Brands / North American Nutrition division specifically on the Naked Juice and KeVita brands, with expertise in building commercial strategy and operational infrastructure for high-growth businesses.