# 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

- **India**: Bengaluru, Karnataka - 560025

- **Indonesia**: PayJoy, WeWork Revenue Tower...  
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- **Philippines**: PayJoy, WeWork...  
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- **Colombia**: Calle 90 # 12 - 28, Bogotá...  
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- **Ecuador**: Av. Francisco...  
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- **China**: 44F, Tower A, NEO Building...  
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- **South Africa**: Corner Winnie Mandela Drive..., Johannesburg...
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- **Brazil**: WeWork – Av Paulista – São Paulo, SP.
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- **United States**: PayJoy, Inc.: 660 4th Street...
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- **Mexico**: Alcaldía Cuauhtemoc, Ciudad de México...
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