# **PayJoy trabaja en mercados emergentes de todo el mundo**

# 20M+

Customers across 3 continents

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**Doug Ricket, CEO**

"We meet our customers where they are, not where banks expect them to be."

# **Nuestro Impacto**

Como Corporación de Beneficio Público comprometida con el crédito ético, PayJoy genera un impacto positivo en el bienestar financiero de nuestros clientes.

### 79%

**de los clientes está totalmente de acuerdo en que PayJoy mejoró su bienestar financiero.**

### **50%**

**de los clientes accede al crédito por primera vez.**

### **47%**

**de los clientes son mujeres.**

### **31%**

**compra su primer smartphone con PayJoy.**

##### **Acceso Financiero en 9 Países**  
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# **Liderazgo**

### Doug Ricket  
CEO  
Doug Ricket founded PayJoy in 2015 to make technology and financial services affordable in emerging markets. Doug was inspired by his time as a Peace Corps volunteer teacher in West Africa, his work building the first global digital map at Google Maps, and his patented inventions that launched the pay-as-you-go solar industry. Doug holds a bachelor’s and master’s degree in computer engineering from MIT with concentration in AI. He also holds an MBA from Stanford, where he guest lectures in the big data and machine learning course.

### Nick Zakrasek  
President, Product Development  
Nick Zakrasek is PayJoy’s President of Product Development, overseeing all product & engineering efforts. He holds an MBA from Stanford and bachelor’s degrees in Mathematics and East Asian Studies from Brown University.

### Amy Pardee  
General Counsel  
Amy Pardee is responsible for leading the company’s global Legal and Compliance functions. She holds B.A.s in Economics and Political Science from Stanford University and a J.D. from Harvard Law School.

### Bill Yialamas  
Chief Financial Officer  
Bill is PayJoy's Chief Financial Officer. He is responsible for all of PayJoy's financial teams and functions. Bill obtained his B.A. in Economics from Columbia University.

### Brad Pennington  
President, Financial Products  
Brad is PayJoy’s President of Financial Products. He obtained his B.S. from the Wharton School at the University of Pennsylvania along with degrees in Mathematics and Economics.

### Gib Lopez  
COO  
Gib Lopez co-founded PayJoy and serves as COO supporting global operations. Gib holds an MBA from the Stanford Graduate School of Business and bachelor's degrees in Finance and Spanish from the University of Washington.

### Lucia Villar  
SVP Product  
Lucia holds a B.A. from Tufts University and an MBA from Columbia Business School.

### Iván Canales  
Chief Revenue Officer  
Iván Canales is PayJoy’s Chief Revenue Officer. He holds an MBA from the Stanford Graduate School of Business, and a bachelor’s degree in computer science from Cornell University.

### Bharath Ramarathinam  
CTO  
Bharath holds a Master’s degree in computer science from University of Kentucky.

### Maryann Kongovi  
SVP, People  
Maryann holds an MA from Oxford University, and an MBA from Columbia University.

## **Consejo Asesor**

### Arjan Schütte  
Core  
Arjan is the founder and a managing partner of Core Innovation Capital.

### Nick Talwar  
Independent  
Nick has spent much of his career at the intersection of fast-scaling technology platforms and consumer / SME Financial Services.

### Alejandra Martinez S  
Independent  
Alejandra is a board member for leading entities in the Mexican financial sector.

### Roy Katz  
Independent  
Roy Katz serves as an independent director at PayJoy Inc.

### **Nos complace anunciar que PayJoy ha sido 100% neutra en carbono desde 2022**

PayJoy financia a los clientes a los que tu distribución actual no puede llegar. Tú consigues la venta. Nosotros nos encargamos del crédito.

## **Nuestras oficinas**

### India  
Bengaluru, Karnataka - 560025

### Indonesia  
PayJoy, WeWork Revenue Tower, Scbd, Jl. Jend. Sudirman No.52-53, Senayan, Kebayoran Baru, Jakarta, 12190

### Philippines  
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.

### Colombia  
Calle 90 # 12 - 28, Bogotá

### Panama  
Clayton, Ciudad del Saber, calle Winthrop, edificio 240, piso 2 oficina C

### Peru  
Av. Manuel Olguín 325, Santiago de Surco, Lima

### Ecuador  
Av. Francisco de Orellana N550 Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha

### China  
44F, Tower A, NEO Building, 6011 Shennan Avenue, Futian District, Shenzhen, 518048

### South Africa  
Corner Winnie Mandela Drive &, Winifred Mandela Precinct, Wedgewood Link Rd, Bryanston, Johannesburg, 2191

### Brazil  
WeWork – Av Paulista – São Paulo, SP.

### United States  
PayJoy, Inc.: 660 4th Street, Unit 139 San Francisco, CA 94107