# PayJoy Brings Financial Access to Emerging Markets

# 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."

# 20M+

Customers across 3 continents

**Mboule Badji, Customer**  
"I was spending a lot of time looking for a new phone because it was an opportunity to stay in touch with my family, who lives in another country. When I found out about PayJoy, I was so happy because I could buy a great smartphone immediately without paying the full price of it."

# 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."

# Data-Backed Progress

## **Success Measured in Human Impact.**  
We track our impact rigorously. Our data is audited and published annually to maintain total transparency with our stakeholders.

### 79%

**Improved financial well-being**  
### **50%**  
**New to credit**  
### **47%**  
**Customers are women**  
### **31%**  
**First-time smartphone users**

##### **Financial Access in 9 Countries**

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## **Our Radical Commitment**  **to Our Customers.**

As a Public Benefit Corporation, we're legally committed to your financial well-being. We don't just lend; we protect.

**No Accruing Interest**  
Pricing is fixed and transparent from day one.

**No Debt Trap**  
Changed your mind? Return the phone and the debt goes with it.

**No Late Fees**  
We never penalize users for being behind on payments.

**No Loan Stacking**  
We protect users from building dangerous debt with other lenders.

## Leadership

Engineers, economists, and designers with deep experience from Google, Facebook, and the world's leading financial institutions. We’re all working toward one goal: financial access for everyone.

**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.

**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 responsible for all of PayJoy's financial teams and functions. He obtained his B.A. in Economics from Columbia University.

**Brad Pennington**  
**President, Financial Products**  
Brad leads Risk, Data Science, Fraud and Asset Valuation. He has a passion for building teams and products that improve the financial lives of users. He obtained his B.S. from the Wharton School.

**Gib Lopez**  
**COO**  
Gib began his career in strategy consulting before shifting his focus to underserved communities. He holds an MBA from Stanford Graduate School of Business.

**Lucia Villar**  
**SVP Product**  
Lucia has deep expertise in financial inclusion and consumer credit. She holds a B.A. from Tufts University and an MBA from Columbia Business School.

**Iván Canales**  
**Chief Revenue Officer**  
Iván is responsible for revenue growth and marketing strategy across PayJoy's footprint. He holds an MBA from the Stanford Graduate School of Business.

**Bharath Ramarathinam**  
**CTO**  
Bharath leads all of PayJoy’s technology and engineering. He holds a Master’s degree in computer science from the University of Kentucky.

**Maryann Kongovi**  
**SVP, People**  
Maryann spent a decade scaling global teams at venture-backed startups. She holds an MA from Oxford University, and an MBA from Columbia University.

### **Join the Mission**

Work across teams and borders to unlock financial inclusion.

## **Where We Operate.**

PayJoy is a boots-on-the-ground operation. From our headquarters in San Francisco to our regional hubs across Africa, Asia, and Latin America, we are where our customers are.

### India  
Bengaluru, Karnataka - 560025  
  
### Indonesia  
PayJoy, WeWork Revenue Tower, Scbd, Jl. Jend. Sudirman No.52-53, Senayan, Kebayoran Baru, Jakarta, 12190  
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### Philippines  
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.  
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### Colombia  
Calle 90 # 12 - 28, Bogotá  
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### Panama  
Clayton, Ciudad del Saber, calle Winthrop, edificio 240, piso 2 oficina C  
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### Peru  
Av. Manuel Olguín 325, Santiago de Surco, Lima  
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### Ecuador  
Av. Francisco de Orellana N550 Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha  
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### China  
44F, Tower A, NEO Building, 6011 Shennan Avenue, Futian District, Shenzhen, 518048  
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### South Africa  
Corner Winnie Mandela Drive &, Winifred Mandela Precinct, Wedgewood Link Rd, Bryanston, Johannesburg, 2191  
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### Brazil  
WeWork – Av Paulista – São Paulo, SP.  
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### United States  
PayJoy, Inc.: 660 4th Street, Unit 139 San Francisco, CA 94107  
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### Mexico  
Alcaldía Cuauhtemoc, Ciudad de México  
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### We are happy to announce that PayJoy has been 100% carbon neutral since 2022

PayJoy finances the customers your current distribution can't reach. You get the sale. We handle the credit.