Estamos presentes em vários países do mundo, levando inclusão financeira de verdade!
Nossa missão
Inclusão financeira
Criamos um método ágil e flexível, que opera através de inteligência artificial para oferecer financiamentos acessíveis para todos que realmente precisam. Estamos reescrevendo as regras financeiras para uma nova geração.
Menos não. Mais sim!
Mesmo sem conta bancária ou comprovação de renda, os clientes da PayJoy têm acesso a serviços financeiros diferenciados, o que melhorará seu score de crédito para oportunidades futuras.
Our Impact
As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.
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13m+
Customers Served
79%
Customers strongly agree PayJoy improved their financial well-being.
47%
Customers are
women
women
50%
Customers are
new to credit
new to credit
31%
First-time
smartphone users
smartphone users
Financial Access in 8 Countries
Mexico
Colombia
Brazil
Panama
Peru
Ecuador
South Africa
Philippines
Our Commitments
At PayJoy, we are committed to fair and best-in-class treatment of customers. Our Customer Charter sets the guidelines, including pricing rules on how we engage with our customers ethically.
No Accruing Interest
Our pricing is fixed hence simple to understand. Customers clearly see the total fixed amount they have to pay before agreeing to a contract.
No Debt Trap
Customers who buy a phone with PayJoy always have the option to return the phone at any time and have their debt canceled.
No Late Fees
The total cost of financing is fixed at the time of purchase, and that amount never increases over time, even if customers are late.
No Loan Stacking
To help our customers improve their financial stability, we make sure our customers are not building up debt from other lenders.
Liderança e Conselho
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Doug Ricket
CEO
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Bill Yialamas
Chief Financial Officer
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Irene Ruiz
Head of People
Doug Ricket
CEO
Doug Ricket fundou a PayJoy em 2015 para tornar a tecnologia e os serviços financeiros acessíveis em mercados emergentes. Doug foi inspirado por sua experiência como professor voluntário do Peace Corps na África Ocidental, pelo seu trabalho na construção do primeiro mapa digital global no Google Maps e por suas invenções patenteadas que lançaram a indústria de energia solar no modelo de pagamento conforme o uso. Doug possui bacharelado e mestrado em engenharia de computação pelo MIT, com foco em IA. Ele também possui um MBA pela Universidade de Stanford, onde atua como palestrante convidado no curso de big data e machine learning
Bill Yialamas
Chief Financial Officer
Bill é o Diretor Financeiro (CFO) da PayJoy. Ele é responsável por todas as equipes e funções financeiras da empresa. Bill tem mais de 25 anos de experiência em finanças e operações. Antes da PayJoy, ele foi CFO e Co-Presidente da Reach Financial, onde começou como o primeiro funcionário e ajudou a empresa a alcançar mais de 1 bilhão de dólares em empréstimos ao consumidor. Antes disso, Bill ocupou cargos seniores em bancos de investimento, onde era especialista no atendimento a empresas de finanças especializadas e bancos. Ele é formado em Economia pela Universidade de Columbia.
Irene Ruiz
Head of People
Irene é a Head de Pessoas da PayJoy, responsável por iniciativas estratégicas de gestão de pessoas, pela jornada dos colaboradores e pelo desenvolvimento de uma ótima cultura organizacional. Irene começou sua carreira como generalista e, ao longo de 15 anos, evoluiu para liderar a área de Pessoas. Ela traz experiência tanto de empresas multinacionais quanto de empresas de tecnologia para apoiar a missão da PayJoy e a experiência dos funcionários. Irene possui um mestrado pela Fairleigh Dickinson University e um diploma em administração de empresas pela Universidad Anáhuac, na Cidade do México.
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Brad Pennington
President, Financial Products
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Nick Zakrasek
President, Product Development
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Gib Lopez
COO
Brad Pennington
President, Financial Products
Brad é o Presidente de Produtos Financeiros da PayJoy. Atualmente, ele lidera as áreas de Risco, Ciência de Dados, Fraude e Avaliação de Ativos. Antes de ingressar na PayJoy, Brad ocupou vários cargos de liderança e quantitativos, incluindo CRO e Chefe de Dados na Prosper Marketplace, além de consultor de Gestão de Riscos Globais na Moody's Analytics. Ele tem uma paixão por construir equipes e produtos que melhoram a vida financeira dos usuários em grande escala. Brad obteve seu bacharelado na Wharton School da Universidade da Pensilvânia, além de graduações em Matemática e Economia.
Nick Zakrasek
President, Product Development
Nick Zakrasek é o Presidente de Desenvolvimento de Produto da PayJoy, responsável por todas as iniciativas de produto e engenharia. Ao longo da última década, ele liderou equipes em escala global, desenvolvendo tecnologias inovadoras e produtos de tecnologia para o consumidor, abordando algumas das maiores necessidades sociais do mundo, incluindo oportunidade econômica, sustentabilidade, integridade eleitoral, saúde, preparação para desastres e educação. Ele possui um MBA pela Stanford University e bacharelados em Matemática e Estudos da Ásia Oriental pela Brown University.
Gib Lopez
COO
Gib Lopez é cofundador da PayJoy e atua como COO, apoiando as operações globais da empresa. Gib começou sua carreira em consultoria estratégica, antes de mudar o foco para comunidades carentes e desenvolvimento global, trabalhando com a TechnoServe, Camber Collective e Dalberg Global Development Advisors. Durante esse período, Gib colaborou com governos, a Fundação Bill & Melinda Gates e empresas com fins lucrativos nos EUA, América Central, África, Europa e Ásia. Ele possui um MBA pela Stanford Graduate School of Business e bacharelados em Finanças e Espanhol pela Universidade de Washington.
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Deepak Murthy
President, GTM
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Priscila Barrantes
VP & Country Manager
PayJoy Mexico
PayJoy Mexico
Deepak Murthy
President, GTM
Em uma missão de fornecer acesso ao crédito para o próximo bilhão de pessoas. Deepak Murthy é o presidente global da PayJoy, trabalhando com os fundadores, Mark e Gib, para liderar todo o nosso desenvolvimento de negócios externos, vendas, operações e escalonamento. Deepak executou a expansão internacional da Box e também construiu a maior unidade de negócios focada em sua parceria com a IBM. Antes da Box, ele foi Diretor do BCG, onde passou vários anos atendendo a grandes clientes de tecnologia nos Estados Unidos, Índia e Indonésia. Deepak possui MBA pela Northwestern University - Kellogg School of Management e um MS em Engenharia da Computação pela University of Kansas.
Priscila Barrantes
VP & Country Manager
PayJoy Mexico
PayJoy Mexico
Priscila Barrantes é Vice-Presidente e Country Manager da PayJoy no México, responsável por impulsionar o crescimento da receita no maior mercado da empresa e gerenciar todos os aspectos operacionais no país. Com mais de 15 anos de experiência em Fintech, bens de consumo, varejo e eommerce, Priscila ocupou cargos importantes no Walmart, AB-InBev e América Móvil, com foco em estratégias comerciais, lançamentos de produtos e inovação. Antes de ingressar na PayJoy, foi Líder de Negócios das divisões Direct-to-Consumer e eCommerce da AB InBev.
Priscila é formada em Engenharia Industrial pela Universidade Anáhuac e possui um Mestrado em Negócios Digitais pelo ISDI.
Priscila é formada em Engenharia Industrial pela Universidade Anáhuac e possui um Mestrado em Negócios Digitais pelo ISDI.
Board of Directors
Doug Ricket
CEO
Read More
John Buttrick
USV
Read More
Josh McFarland
Greylock
Read More
Todd Schell
Warburg
Read More
Arjan Schütte
Core
Read More
Nick Talwar
Independent
Read More
Alejandra Martinez S
Independent
Read More
Roy Katz
Independent
Read More
Doug 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.
John Buttrick
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
CEO
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.
Todd Schell
Warburg
Todd 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.
Arjan Schütte
Core
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.
Nick Talwar
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.
Alejandra Martinez S
Independent
Alejandra 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.
Roy Katz
Independent
Roy Katz serves as an independent director at PayJoy Inc., leveraging his extensive entrepreneurial background and expertise in technology and law. His career is marked by over 30 years of engagement with Latin American countries and a deep involvement in the tech sector. As an attorney, Roy skillfully combines legal, technological, and financial knowledge to operate across diverse international landscapes. Prior to PayJoy, he founded and led Katz & Lopez law firm since 1994 and co-founded Advanced Communication Network, among other ventures. Roy is a Law graduate with an Executive Program specialization from Harvard Business School. His unique blend of skills and experiences significantly enriches PayJoy's global and strategic endeavors.
Board of Directors
Doug Ricket
CEO
John Buttrick
USV
Josh McFarland
Greylock
Todd Schell
Warburg
Arjan Schütte
Core
Nick Talwar
Independent
Alejandra Martinez S
Independent
Roy Katz
Independent
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We are happy to announce that PayJoy has been 100% carbon neutral since 2022
Todos os anos, medimos e compensamos nossas emissões de carbono por meio de um projeto em um país onde a PayJoy opera. Para 2024, temos o prazer de anunciar que estamos financiando um projeto de proteção florestal em Cujubim, Brasil, por meio da ClimatePartner.
Offices
United States
655 4th Street
San Francisco, CA 94107
San Francisco, CA 94107
South Africa
First Floor Nicolway West Corner
William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
William Nicol Drive & Wedgewood Link Road Bryanston, Sandton, 2191
India
9th Fl, RMZ Latitude Commercial
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024
Building, Bellary Rd, Hebbal,
Bengaluru, Karnataka, 560024
China
44F, Tower A, NEO Building,
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
6011 Shennan Avenue, Futian District,
Shenzhen, 518048
Ecuador
Av. Francisco de Orellana N550
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Juan Montalvo Oficina 201 – 203, Cumbayá, Pichincha
Merchants Contact: merchants.ecuador@payjoy.com
Peru
Manuel Olguín Av. – Santiago de Surco, Lima
Canales de atención al cliente
Whatsapp: +51 978662235
Call center: (01) 641-9779
Call center: (01) 641-9779
Horario:
Lunes a Sábado de 8:00 a 19:00
Domingos y Feriados de 10:00 a 18:00
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 pmSábado de 7:00 am a 4:00 pm
Domingo: Cerrado
Domingo: Cerrado
Colombia
Canales de atención al cliente:
Llamada (601) 4850266
Philippines
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.