PayJoy works in emerging markets across the globe
Our Mission
We Give Credit for Everyone
As the global middle class moves mobile, we saw an opportunity to rewrite the rules of finance for a new generation.
Fewer Restrictions. More Possibilities.
We meet our customers where they are. Even with no bank account or formal credit history, PayJoy users can access financial services and carve a route into the financial system.
Leadership

Doug Ricket
CEODoug Ricket
CEO
Doug Ricket founded PayJoy in 2015 to make technology and financial services affordable to the half of the world living in emerging markets. Doug was inspired by his time as a Peace Corps volunteer in West Africa, his work on several foundational patents launching the pay-as-you-go solar industry, and his work at Google Maps creating the world’s first complete digital map. Doug holds a bachelor’s and master’s degree in computer engineering from MIT and an MBA from Stanford.

Bill Yialamas
CFOBill Yialamas
CFO
Bill is PayJoy's Chief Financial Officer. He is responsible for all of PayJoy's financial teams and functions. Bill brings over 25 years of financial and operating experience to PayJoy. Prior to PayJoy, Bill was Chief Financial Officer and Co-President of Reach Financial, where he started as its first employee and helped to grow the company to over $1 billion in consumer loan originations. Prior to Reach, Bill held senior roles at investment banks where he specialized in coverage of specialty finance companies and banks. Bill obtained his B.A. in Economics from Columbia University.

Denisse Becerra
General Counsel & Chief Compliance OfficerDenisse Becerra
General Counsel & Chief Compliance Officer
Denisse is PayJoy’s General Counsel & Chief Compliance Officer, primarily focusing on building and expanding the global legal and compliance organization. Denisse brings over 20 years of international corporate legal experience offering trusted legal and strategic advice on commercial and compliance aspects in multiple industries. Previously, she worked leading a corporate compliance reform in Peru and with Western Union as Associate General Counsel for the Americas, where she was responsible for the legal and regulatory strategy for 52 countries. Originally from Peru, Denisse is passionate about how PayJoy’s mission of bringing finance to similar markets can positively impact and change lives, one at the a time. Denisse holds a LL.M. from the George Washington University and a J.D. from Universidad de Lima. She is fluent in Spanish and English.

Irene Ruiz
Head of PeopleIrene Ruiz
Head of People
Irene is PayJoy`s Head of People, overseeing strategic people initiatives, the employee journey and cultivating a great organizational culture. Irene started her career as a generalist and has progressed over 15 years to lead the People function. She brings experience from both multinational and technology companies to support PayJoy´s mission and employee experience. Irene holds a Master's degree from Fairleigh Dickinson University and a business degree from Universidad Anahuac in Mexico City.

Brad Pennington
President, Financial ProductsBrad Pennington
President, Financial Products
Brad Pennington is PayJoy’s President of Financial Services. He is responsible for PayJoy’s Risk and Data functions. Prior to joining PayJoy Brad was Prosper’s CRO and built the Risk and Data Science organization as the company scaled from $20MM to $220MM in annual revenue. Prior to moving to San Francisco Brad was a Risk Management consultant at Moody’s Analytics in New York where he led a team that built quantitative models for governmental organizations and large commercial banks across the globe. Brad obtained his B.S. from the Wharton School at the University of Pennsylvania where he also obtained minors in Mathematics, Operations Research, Statistics, and Finance.

Nick Zakrasek
President, Product DevelopmentNick Zakrasek
President, Product Development
Nick Zakrasek is PayJoy’s President of Product Development, overseeing all product & engineering efforts. Over the last decade, he’s led globally scaled teams building novel technologies and consumer tech products addressing many of the world’s greatest societal needs, including economic opportunity, sustainability, election integrity, health, disaster preparation, and education. He holds an MBA from Stanford and bachelor’s degrees in Mathematics and East Asian Studies from Brown University.

Gib Lopez
COOGib Lopez
COO
Gib Lopez supports operations and sales for PayJoy. Gib began his career in strategy consulting for the private sector before shifting his focus to underserved communities to work in global development and global health with TechnoServe, the Camber Collective, and Dalberg Global Development Advisors. Over this time, Gib worked with developing and developed country governments, the Bill & Melinda Gates Foundation, and for profit enterprises across the US, Central America, Africa, Europe, and Asia . Along the way, Gib obtained his MBA at Stanford’s Graduate School of Business where he focused on social enterprises and developing economies.

Deepak Murthy
PresidentDeepak Murthy
President
On a mission to deliver access to credit to the next billion people. Deepak Murthy is PayJoy’s global President, working with founders, Mark and Gib, to lead all our external business development, sales, operations, and scaling. Deepak ran international expansion for Box and also built the largest business unit that focused on their partnership with IBM. Prior to Box, he was a Principal at BCG, where he spent several years serving large technology clients across the US, India, and Indonesia. Deepak holds an MBA from Northwestern University - Kellogg School of Management and an MS, Computer Engineering from the University of Kansas.
Board of Directors
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Doug Ricket
CEORead BioCloseDoug Ricket
CEODoug Ricket founded PayJoy in 2015 to make technology and financial services affordable to the half of the world living in emerging markets. Doug was inspired by his time as a Peace Corps volunteer in West Africa, his work on several foundational patents launching the pay-as-you-go solar industry, and his work at Google Maps creating the world’s first complete digital map. Doug holds a bachelor’s and master’s degree in computer engineering from MIT and an MBA from Stanford.
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John Buttrick
USVRead BioCloseJohn Buttrick
USVJohn is a partner at Union Square Ventures, joining the firm in 2010. He began his career in 1985 as a corporate lawyer at Davis Polk & Wardwell in New York and Paris. He was a partner in the firm’s mergers and acquisitions group from 1994-2000. From 2000-2004, John was a partner at LiveWire, a private equity group that acquired and managed back-office software companies. Between 2004 and 2010, he was involved in a number of start-up ventures in the US and Europe as an investor, director, and consultant. He currently serves as Board Chair of Environmental Advocates of New York. John majored in American Studies at Northwestern University and has a JD degree from Villanova University School of Law. John has lived in New York City for most of his life.
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Josh McFarland
GreylockRead BioCloseJosh McFarland
GreylockJosh McFarland is an experienced product leader and entrepreneur who specializes in designing, building and scaling technology driven businesses. Josh joined Greylock as a partner in 2017. Previously, Josh was the founder and CEO of TellApart, which was acquired by Twitter for more than $500M in 2015. At Twitter, Josh was VP of Product for all revenue generating lines of business including advertising, data services and customer support applications. Previously in his career, Josh was a lead Product Manager at Google where he cofounded the Adwords API team. Josh earned his Bachelor’s degree with distinction in Economics at Stanford, where he was a Mayfield Fellow.
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Todd Schell
WarburgRead BioCloseTodd Schell
WarburgTodd Schell is based in New York, joined Warburg Pincus in 2011 and focuses on Financial Services investments. Prior to joining Warburg Pincus, Mr. Schell covered Financial Institutions in the Investment Banking Division at Barclays Capital. He holds an M.B.A. from Harvard Business School and a B.A. from Amherst College.
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Arjan Schütte
CoreRead BioCloseArjan Schütte
CoreArjan Schütte is the founder and a managing partner of Core Innovation Capital, a leading venture capital fund investing in financial services companies that empower everyday Americans. His investments include Oportun, Ripple, CoverHound, and TIO Networks.
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Nick Talwar
IndependentRead BioCloseNick Talwar
IndependentNick has spent much of his career at the intersection of fast-scaling technology platforms and consumer / SME Financial Services, having launched and scaled some transformative customer propositions globally. Prior to joining Apis, Nick was Global Head of Vehicle Financing at Uber, where he was responsible for the Group’s vehicle leasing, rentals and fleet management division. Prior to that, he served as General Manager of Amazon Lending and also led Visa's credit card business in North America.
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Alejandra Martinez S
IndependentRead BioCloseAlejandra Martinez S
IndependentAlejandra is passionate about developing high performing teams and supporting women in their professional careers. She has been an Independent Board Member for leading entities in the Mexican financial sector for more than a decade being Chairwoman of the Board, Chair of various Risk Committees and Cybersecurity Committee and member of the Audit and Compensation Committees. Companies include the retail and commercial Credit Bureaus, electronic switch E-Global, Bancoppel consumer and SME bank, Nafinsa development bank and SICREA autofinance Company as well as Fair,Isaac & Co (FICO). She has recently joined PayJoy´s Board and its Compliance Committee as an Independent Member as well as the Regional Advisory Board for Banorte. She has participated to date in 11 BOD sitting currently at 5. In 2000 she founded Analyse to serve analytics needs of Banks and non-banks for international and national clients alike. Previously she held various positions in the international, corporate and commercial divisions of the major banks in the country being the CRO for Bancomer´s (now BBVA) retail bank, and Corporate division VP in Banamex´ (now Citibank) and its NY agency. Alejandra holds an MBA from Stanford University in California and a BS in Industrial Engineering, from Universidad Iberoamericana in Mexico City. She is a member of EY Center for Board Matters, The 30% Club and Women Corporate Directors (WCD) Mexico chapters and MBA Mujeres de México.
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Roy Katz
IndependentCloseRoy Katz
Independent
Press Resources
PayJoy Announces $360M in Funding to Support Growth
SAN FRANCISCO, Sept. 5, 2023 /PRNewswire/ — PayJoy is excited to announce a successful $360M capital raise, consisting of $150M…
PayJoy Announces Compatibility with Africa’s #1 Smartphone Manufacturer Transsion and Other Leading Manufacturers via PayJoy Access
SAN FRANCISCO, Oct. 21, 2019 /PRNewswire/ — PayJoy Inc, a leader in providing consumer finance to the next billion via smartphones, has launched…
We are happy to announce that PayJoy is going 100% carbon neutral
Every year we will measure and pay to offset our carbon emissions through a project in a country where PayJoy operates. For 2022 we chose a project in Mataven, Colombia, that is protecting more than 1000 hectares of tropical forest.


Offices
Mexico
Alcaldía Cuauhtemoc, Ciudad de México
Customer Service Mexico
South Africa
First Floor Nicolway West Corner William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
India
9th Fl, RMZ Latitude Commercial
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024
China
44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
Ecuador
Av. Francisco de Orellana N550
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Merchants Contact: merchants.ecuador@payjoy.com
Peru
Av. Manuel Olguín
NN°325 Santiago de Surco, Lima
Horario:
Lunes a Viernes de 8:00 a 19:00
Sábado de 8:00 a 16:00
Domingos y Feriados de 10:00 a 18:00
Panama
Horario de atención del Callcenter:
Lunes a Viernes de 7:00 am a 7:00 pm
Sábado de 7:00 am a 4:00 pm
Domingo: Cerrado