Nosotros

Creemos que tanto los teléfonos inteligentes, como el acceso a servicios financieros deben estar al alcance de las millones de personas en mercados emergentes que aún no han sido consideradas

PayJoy fue fundada en 2015 con el objetivo de dar acceso a créditos en efectivo y financiamiento para smartphones a personas en mercados emergentes alrededor del mundo

Hemos levantado más de 40 Millones de Dólares a través de reconocidas empresas de Venture Capital, incluyendo a Union Square Ventures y Greylock Partners. Atendemos a clientes en Estados Unidos, India, Indonesia, México y Sudáfrica

Qué Hacemos y Porqué Importa

Equipo de Liderazgo

Doug Ricket

CEO

Gib Lopez

COO

Mark Heynen

CBO

Deepak Murthy

President

Juan Castro-Zumaeta

VP of Finance

Linda Schomaker

VP of People

Jaideep Mirchandani

Head of Product Development

Brad Pennington

Chief Risk Officer

Manish Arora

General Manager, India

Dominique Friedl

General Manager, Africa

Juan José Ocariz

General Manager, Finance

John Buttrick

Board Director, USV

Josh McFarland

Board Director, Greylock

Nick Talwar

Board Member, Independent

Arjan Schütte

Board Member, Core Innovation Capital

Doug Ricket

CEO

Doug Ricket fundó PayJoy en 2015 para hacer asequibles tanto la tecnología como los servicios financieros para la mitad del mundo que vive en mercados emergentes. Doug se inspiró durante su voluntariado en los Cuerpos De Paz Estadounidenses mientras estuvo en África Occidental trabajando en patentes de prepago para la industria de la energía solar y su trabajo en Google Maps creando el primer mapa totalmente digital del mundo. Doug es Ingeniero y Maestro en Ingeniería en Computación por el MIT y tiene el grado de MBA por la Universidad de Stanford

Gib Lopez

COO

Gib Lopez apoya la operacion y las ventas de PayJoy. Comenzó su carrera en consultoría estratégica para el sector privado para posteriormente enfocar su trabajo en comunidades desamparadas, desarrollo y salud con TechoServe, el Camber Collective y alberg Global Development Advisors. Durante ese tiempo, Gib trabajó con los gobiernos de países en vías de desarrollo la Fundación Bill & Melinda Gates y para organizaciones con fines de lucro en EE.UU., América Central, África, Europa y Asia. A lo largo de este camino, Gib obtuvo el grado de MBA por la Universidad de Stanford, enfocándose en en emprendimientos sociales y economías en desarrollo.

Mark Heynen

CBO

Mark Heynen funge como Director de Negocios. Previo a PayJoy, Mark tuvo una carrera extensa arrancando compañías tanto en EE.UU. como en otros países, trabajando en tratos complejos dentro del ecosistema de las telecomunicaciones móviles. En 1999, Mark se unió al equipo seminal de LibertySurf, el primer proveedor de servicios de internet gratuito de Francia y lanzó su operación en tanto en Alemania como en el Reino Unido. Poco tiempo después, en el año 2000, Mark fue cofundador de una empresa de análisis de ventas al menudeo en Londres, Electrobug Technologies, la cual vendió posteriormente en 2006. Regresó a los EE.UU. para integrarse al naciente equipo de Desarrollo de Negocios en Google, donde se desempeñó en el mapeo de países en vías de desarrollo, así como en el lanzamiento de la plataforma Android. Posteriormente fue reclutado por Facebook en 2010 para lanzar la estrategia de negocios móviles en mercados emergentes, incluyendo intrincadas negociaciones con operadores y la mayor adquisición de Facebook hasta ese momento - Snaptu. Tras su salida en 2012, Mark fundón Photo Lab, que posteriormente vendería a Dropbox y lideró el desarrollo de negocios y operaciones para la compañía de drones comerciales Skycatch.

Deepak 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.

Juan Castro-Zumaeta

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.

Linda Schomaker

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.

Jaideep Mirchandani

Head of Product Development

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.

Brad Pennington

Chief Risk Officer

Brad Pennington is PayJoy’s Chief Risk Officer (CRO). 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.

Manish Arora

General Manager, India

Manish joined PayJoy in 2018 as General Manager, South Asia.
Prior to PayJoy, Manish worked as COO of a VC backed start-up where he helped fintech businesses in India devise and execute their risk and fraud mitigation measures. He has also been an advisor to a number of businesses, large and small, on improving business performance and maximizing return on tangible and intangible assets across the organization.
Manish holds a bachelor's degree in computer science from PEC (India) and an MBA from INSEAD (France). He has lived and worked in Asia, Europe, Middle East, and the UK.

Dominique Friedl

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.

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 form Harvard University.

John Buttrick

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.

Josh McFarland

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.

Nick Talwar

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.

Arjan Schütte

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.