About Us - PayJoy

PayJoy beroperasi di negara berkembang di seluruh dunia

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

.webp)

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

20M+

Customers across 3 continents

.webp)

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

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Dampak Kami

Sebagai Public Benefit Corporation yang berkomitmen pada pemberian akses smartphone yang etis, PayJoy memberikan dampak positif terhadap kesejahteraan finansial pelanggan kami.

79%

pelanggan sangat setuju bahwa PayJoy meningkatkan kesejahteraan finansial mereka.

50%

pelanggan adalah perempuan.

47%

pelanggan mengakses kredit untuk pertama kalinya.

31%

membeli smartphone pertama mereka dengan PayJoy.

Komitmen Kami

Di PayJoy, kami berkomitmen untuk memberikan layanan yang adil, transparan, dan terpercaya. Kami menerapkan panduan Standard Layanan Pengguna, termasuk aturan harga dan cara kami berinteraksi dengan Anda.

Tanpa Bunga Berjalan

Harga kami bersifat tetap sehingga mudah dipahami. Pengguna dapat melihat dengan jelas jumlah total yang harus dibayarkan sebelum menyetujui kontrak.

Tanpa Jebakan Hutang

Pengguna yang membeli ponsel dengan PayJoy selalu memiliki pilihan untuk mengembalikan ponsel kapan saja dan hutangnya akan dibatalkan.

Tanpa Denda Keterlambatan

Total biaya sudah ditetapkan saat pembelian, dan jumlahnya tidak akan bertambah seiring waktu, bahkan jika pengguna terlambat.

Tanpa Penumpukan Pinjaman

Untuk membantu pengguna meningkatkan stabilitas finansial mereka, kami memastikan pengguna tidak menumpuk hutang dari pemberi pinjaman lain.

Board Directors

Doug Ricket

CEO

Doug Ricket founded PayJoy in 2015 to make technology and financial services affordable in emerging markets. 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.

Amy Pardee

General Counsel

As PayJoy’s General Counsel, Amy Pardee is responsible for leading the company’s global Legal and Compliance functions.

Bill Yialamas

Chief Financial Officer

Bill is PayJoy's Chief Financial Officer, responsible for all of PayJoy's financial teams and functions.

Brad Pennington

President, Financial Products

Brad is PayJoy’s President of Financial Products, runs Risk, Data Science, Fraud and Asset Valuation.

Gib Lopez

COO

Gib Lopez co-founded PayJoy and serves as COO supporting global operations.

Lucia Villar

SVP Product

Lucia Villar is a seasoned leader in financial services and fintech, with deep expertise in financial inclusion and consumer credit.

Iván Canales

Chief Revenue Officer

Iván Canales is PayJoy’s Chief Revenue Officer, leading revenue growth, country management, and marketing strategy.

Bharath Ramarathinam

CTO

Bharath is PayJoy’s Chief Technology Officer, responsible for leading all of PayJoy’s technology, engineering, and product platforms.

Maryann Kongovi

SVP, People

Maryann Kongovi is PayJoy’s SVP of People, focusing on building global teams.

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