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.
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.
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.
VP of Finance
Juan leads the finance function for PayJoy Inc. With over 18 years of financial experience, Juan has focused on scaling technology companies, including mobile media platform MobiTV, the fintech arm of Western Union WU Digital and the customer support SaaS company Zendesk. Originally from Peru and having grown up in Africa, Central America and South America, Juan is passionate about the markets where PayJoy operates and he is a true believer in the positive impact that new financial technologies can bring to these markets. Juan has a BA in Economics and Mathematics from Boston University and an MBA from UC Berkeley’s Haas School of Business, and he is fluent in Spanish, French, and English.
VP of People
Linda Schomaker is PayJoy's Vice President of People. She is responsible for global human resources, talent acquisition, culture building, payroll, and facilities. Linda brings extensive leadership experience in multiple industries including startups (SigFig and Gracenote) and large organizations (PG&E and Masons of CA). While at Gracenote she oversaw all aspects of HR for 2000 employees in 21 global offices during a time of significant growth, acquisition, and integration of multiple metadata companies. Linda has a BA in English from the University of California, Berkeley and a Masters in Organizational Psychology from San Francisco State University.
VP of Business Development
Tom Jahnes is VP of Business Development, principally focused on expanding the number of OEMs supported by PayJoy as well as developing global strategic accounts. Previously he worked in Financial Services at Brightstar, a Softbank Company, as a private consultant in the remittance and bank software industries, with Western Union managing the Central American region and with GlaxoSmithKline in strategic marketing for consumer packaged goods. He holds an MBA from Thunderbird, the American School of International Management and a BA from the University of Florida.
VP of Engineering
Matt leads our technical functions globally, including data science and engineering. He brings over a decade of leadership experience at startups as well as a 10 year stint at Netflix as Director of Engineering, where he helped build Netflix's first streaming video player, pioneered A/B testing of adaptive streaming algorithms, and worked closely with CE device makers and network operators to enable the Netflix app.
Chief Product Officer
Jaideep Mirchandani is the Head of Product Development at PayJoy. He is responsible for PayJoy’s Product Management and Engineering functions. Jaideep’s background includes Engineering leadership at startups, Product roles at Google and Samsung, and startup consulting in India and California. He’s led teams in the US, South Korea, India and Russia. His work at Google helped Google cross $1B in revenues from the Enterprise business. His leadership on Samsung Knox enabled it to lead the Mobile Security Platform market (ahead of iOS and core Android), and gave core differentiation to the B2B business which exceeded $10B in revenues. Jaideep holds an MBA from Duke University and an MS, Computer Science from UNC-Chapel Hill.
Juan José Ocariz
General Manager, Finance
Juan Jose is PayJoy´s General Manager for the Financing Business. He has a broad set of experiences including working for Nike doing finance and strategy, for McKinsey doing management Consulting and Pfizer doing Financial Planning. Juan holds a dual master’s degree (Masters in Business Administration and Master in Energy and the Environment) from Duke University in the US and a Business Analytics Diploma from Harvard University.
General Manager, Africa
Dominique is the General Manager of Africa, where he established the South Africa office and has expanded PayJoy’s presence in 4 other African markets. Prior to PayJoy Dominique worked in mobile technologies, working at Sierra Wireless, Qualcomm and Mediatek. Dominique holds a Masters in Business Administration in finance from Durham University Business School in the UK.
General Manager, South Asia
Raman is PayJoy's General Manager for South Asia. He leads all business development, sales, operations and scaling activities in the region. Prior to PayJoy, Raman has worked across start-ups, mid & large size companies as well as management consulting. His work has primarily been focused around Strategy, GoToMarket, and Operations. Raman holds a BS from IIT Bombay, MS & MBA from Penn State.
Board Director, USV
John 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.
Board Director, Greylock
Josh 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.
Board Member, Independent
Nick 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.
Board Member, Core Innovation Capital
Arjan 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.