About Us - PayJoy

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."

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."

Astheglobalmiddleclassmovesmobile,weseeanopportunitytorewritetherulesoffinance.Wemeetourcustomerswheretheyare.Nobankaccountorcredithistory?NoProblem.PayJoyerscanaccessfinancialservicesandcarvearouteintothefinancialsystem.

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

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... .

Nick Zakrasek - President, Product Development

Nick Zakrasek is PayJoy’s President of Product Development...

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...

Brad Pennington - President, Financial Products

Brad is PayJoy’s President of Financial Products...

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...

Iván Canales - Chief Revenue Officer

Iván Canales is PayJoy’s Chief Revenue Officer, leading revenue growth...

Bharath Ramarathinam - CTO

Bharath is PayJoy’s Chief Technology Officer...

Maryann Kongovi - SVP, People

Maryann Kongovi is PayJoy’s SVP of People...

Board Directors

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.

Where We Operate