About Us - PayJoy

PayJoy Brings Financial Access to Emerging Markets

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

"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."

Our Impact

As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.

79%

Customers strongly agree PayJoy improved their financial well-being.

50%

Customers are new to credit

47%

Customers are women

31%

First-time smartphone users

Financial Access in 9 Countries

.png)

Leadership

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. He holds a bachelor’s and master’s degree in computer engineering from MIT with concentration in AI.

Nick Zakrasek

President, Product Development

Nick Zakrasek oversees all product and 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

As PayJoy’s General Counsel, Amy Pardee leads the company’s global Legal and Compliance functions. She has over 15 years of legal experience and holds B.A.s in Economics and Political Science from Stanford University.

Bill Yialamas

Chief Financial Officer

Bill is responsible for all of PayJoy's financial teams and functions and has over 25 years of financial and operating experience. He obtained his B.A. in Economics from Columbia University.

Brad Pennington

President, Financial Products

Brad runs Risk, Data Science, Fraud and Asset Valuation, holding a B.S. from the Wharton School at the University of Pennsylvania.

Gib Lopez

COO

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

Lucia Villar

SVP Product

Lucia is a seasoned leader in financial services with 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 leads revenue growth and marketing strategy across PayJoy's global footprint. He received his MBA from the Stanford Graduate School of Business.

Bharath Ramarathinam

CTO

Bharath leads all of PayJoy’s technology and product platforms, holding a Master’s degree in computer science from the University of Kentucky.

Maryann Kongovi

SVP, People

Maryann is PayJoy’s SVP of People, holding an MA from Oxford and an MBA from Columbia University.

Where We Operate.