Emma Zhang

Emma Zhang is the founder and CEO of PactFi, a New York fintech building secure, end-to-end operational infrastructure for the private credit market. A former Deutsche Bank credit banker who worked in Hong Kong and New York, she launched PactFi in 2023 to replace the email-and-spreadsheet workflows that still govern trillion-dollar private credit deals. Under her leadership the company has processed more than $300 billion in deal volume, serves eight of the top 20 credit asset managers, and raised a $25 million Series A in March 2026 led by 7RIDGE.