Sobre nós

Estamos presentes em vários países do mundo, levando inclusão financeira de verdade!

20M+

Clientes em 3 continentes.

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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."

Nosso Impacto

Como uma empresa de utilidade pública comprometida com o crédito ético, a PayJoy gera um impacto positivo no bem-estar financeiro dos nossos clientes.

79%

dos clientes concordam totalmente que a PayJoy melhorou seu bem-estar financeiro.

50%

dos clientes acessam o crédito pela primeira vez.

47%

dos clientes são mulheres.

31%

compram seu primeiro smartphone com a PayJoy.

Acesso Financeiro em 9 Países

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Liderança

Liderança e Conselho

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. Over the last decade, he’s led globally scaled teams building novel technologies and consumer tech products addressing many of the world’s greatest societal needs, including economic opportunity, sustainability, election integrity, health, disaster preparation, and education. He holds an MBA from Stanford and bachelor’s degrees in Mathematics and East Asian Studies from Brown University.

Amy Pardee

General Counsel

As PayJoy’s General Counsel, Amy Pardee is responsible for leading the company’s global Legal and Compliance functions. She brings over 15 years of deep legal experience to the team, including serving as General Counsel of Narmi, a digital banking platform. Prior to Narmi, Amy led the international legal team at Square (now Block). 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 brings over 25 years of financial and operating experience to PayJoy. Prior to PayJoy, Bill was Chief Financial Officer and Co-President of Reach Financial, where he started as its first employee and helped to grow the company to over $1 billion in consumer loan originations. Prior to Reach, Bill held senior roles at investment banks where he specialized in coverage of specialty finance companies and banks. Bill obtained his B.A. in Economics from Columbia University.

Gib Lopez

COO

Gib Lopez co-founded PayJoy and serves as COO supporting global operations. Gib began his career in strategy consulting before shifting his focus to underserved communities and global development, working with TechnoServe, the Camber Collective, and Dalberg Global Development Advisors. He 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 Villar is a seasoned leader in financial services and fintech, with deep expertise in financial inclusion and consumer credit. Prior to joining PayJoy, she served as General Manager of Alternative Lending at JP Morgan Chase. She 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, leading revenue growth, country management, and marketing strategy across PayJoy's global footprint in Latin America, Asia, and Africa. 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 is PayJoy’s Chief Technology Officer. He is responsible for leading all of PayJoy’s technology, engineering, and product platforms. He holds a Master’s degree in computer science from University of Kentucky.

Maryann Kongovi

SVP, People

Maryann Kongovi is PayJoy’s SVP of People. Before joining PayJoy, Maryann spent a decade scaling global teams at venture-backed startups, following a successful tenure building and leading sales teams at Google. She holds an MA from Oxford University, and an MBA from Columbia University.

Diretoria

Nossa equipe de diretoria reúne as principais empresas de capital de risco do mundo e especialistas independentes para garantir que a PayJoy continue sendo uma instituição estável, ética e de alto crescimento.

Escritórios

India

Indonesia

Philippines

Colombia

Panama

Peru

Ecuador

China

South Africa

Brazil

United States

Mexico

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

Mexico

Alcaldía Cuauhtemoc, Ciudad de México

Temos o prazer de anunciar que a PayJoy é 100% neutra em carbono desde 2022

A PayJoy financia os clientes que sua distribuição atual não consegue alcançar. Você garante a venda. Nós cuidamos do crédito.