# About PayJoy

## PayJoy has footprints in emerging markets across the globe

## 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."

## 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

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## Leadership & Board

### The Minds Behind the System.

### Doug Ricket  
CEO  
Doug Ricket founded PayJoy in 2015. He holds a bachelor’s and master’s degree from MIT and an MBA from Stanford.

### Nick Zakrasek  
President, Product Development  
Nick Zakrasek oversees all product & engineering efforts. He holds an MBA from Stanford and bachelor’s degrees from Brown University.

### Amy Pardee  
General Counsel  
Amy Pardee oversees global Legal and Compliance functions. She holds B.A.s from Stanford and a J.D. from Harvard.

### Bill Yialamas  
Chief Financial Officer  
Bill is responsible for all financial teams and functions at PayJoy, previously holding roles in investment banks.

### Brad Pennington  
President, Financial Products  
Brad leads Risk, Data Science, Fraud and Asset Valuation. He obtained his B.S. from the Wharton School.

### Gib Lopez  
COO  
Gib co-founded PayJoy and serves as COO, previously working with global development organizations.

### Lucia Villar  
SVP Product  
Lucia has deep expertise in financial inclusion and consumer credit and holds an MBA from Columbia Business School.

### Iván Canales  
Chief Revenue Officer  
Iván leads revenue growth, previously managing Nubank Mexico. He holds an MBA from Stanford

### Bharath Ramarathinam  
CTO  
Bharath brings over 22 years of engineering experience, holding a Master’s degree from the University of Kentucky.

### Maryann Kongovi  
SVP, People  
Maryann has experience building teams at venture-backed startups and holds an MA from Oxford and an MBA from Columbia.

### Board of Directors  
The board brings together leading venture capital firms and independent experts to ensure PayJoy remains a stable and ethical institution.

### Doug Ricket  
CEO  
### John Buttrick  
USV  
### Josh McFarland  
Greylock  
### Todd Schell  
Warburg

### Board Advisors  
- **Arjan Schütte** – Core  
- **Nick Talwar** – Independent  
- **Alejandra Martinez S** – Independent  
- **Roy Katz** – Independent

### We are happy to announce that PayJoy has been 100% carbon neutral since 2022

### Worldwide Operations  
PayJoy is a boots-on-the-ground operation with headquarters in San Francisco and regional hubs across Africa, Asia, and Latin America.