PayJoy trabaja en mercados emergentes de todo el mundo

Nuestra Misión

Crédito para todos
Vimos una oportunidad para redefinir las reglas del mundo financiero y hacer que las oportunidades de crédito sean accesibles.
Menos restricciones. Más posibilidades.
Vamos a donde están los clientes. Incluso sin una cuenta bancaria o historial crediticio, nuestros clientes pueden acceder a servicios financieros y mejores oportunidades.

Our Impact

As a Public Benefit Corporation dedicated to ethical lending, PayJoy ensures a positive impact on our customer’s financial well being.

13m+

Customers Served

79%

Customers strongly agree PayJoy improved their financial well-being.

47%

Customers are
women

50%

Customers are
new to credit

31%

First-time
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.

Liderazgo y miembros de la junta

Doug Ricket
CEO
Bill Yialamas
Chief Financial Officer
Irene Ruiz
Head of People

Doug Ricket

CEO
Doug Ricket fundó PayJoy en el 2015 para facilitar el acceso de tecnología y servicios financieros en el mercado emergente. Doug se inspiró cuando fue profesor voluntario en Peace Corp en África Occidental, su trabajo en la creación del primer mapa digital global en Google Maps y sus inventos patentados que lanzaron la industria solar de pago por uso.Doug tiene una licenciatura y una maestría en ingeniería informática de MIT con concentración en IA. También tiene un MBA de Stanford, donde da conferencias como invitado en el curso de big data y aprendizaje automático.

Bill Yialamas

Chief Financial Officer
Bill es el director financiero de PayJoy. Es responsable de todos los equipos y funciones financieras de PayJoy. Bill aporta más de 25 años de experiencia financiera y operativa a PayJoy. Antes de PayJoy, Bill fue director financiero y copresidente de Reach Financial, donde comenzó como el primer empleado y ayudó a crecer a la empresa a más de 1 billón de dólares en originaciones de préstamos al consumidor. Antes de Reach, Bill ocupó puestos de alto nivel en bancos de inversión, donde se especializó en la cobertura de especialidades en compañías financieras y bancos. Bill obtuvo su B.A. en Economía de la Universidad de Columbia.

Irene Ruiz

Head of People
Irene es la Directora de Personas de PayJoy, y supervisa las iniciativas estratégicas de personas, la trayectoria de los empleados y el cultivo de una gran cultura organizativa. Irene comenzó su carrera como generalista y ha progresado a lo largo de 15 años hasta liderar la función de Personas. Aporta su experiencia en empresas multinacionales y tecnológicas para apoyar la misión de PayJoy y la experiencia de sus empleados. Irene tiene un máster por la Fairleigh Dickinson University y es licenciada en empresariales por la Universidad Anáhuac de Ciudad de México.
Brad Pennington
President, Financial Products
Nick Zakrasek
President, Product Development
Gib Lopez
COO

Brad Pennington

President, Financial Products
Brad es el presidente de productos financieros de PayJoy. Actualmente dirige Riesgo, Ciencia de Datos, Fraude y Valoración de Activos. Antes de unirse a PayJoy, Brad ocupó varios puestos cuantitativos y de liderazgo, como CRO y jefe de datos en Prosper Marketplace y consultor de gestión de riesgos globales en Moody 's Analytics.Le apasiona crear equipos y productos que mejoran la vida financiera de los usuarios a gran escala. Brad se graduó de la Universidad Wharton School en Pennsylvania con títulos en Matemáticas y Economía.

Nick Zakrasek

President, Product Development
Nick Zakrasek es el Presidente de Desarrollo de Producto de PayJoy, supervisando todos los esfuerzos de producto e ingeniería. Durante la última década, ha dirigido equipos de escala mundial que crean tecnologías novedosas y productos de tecnología de consumo que abordan muchas de las mayores necesidades sociales del mundo, incluidas las oportunidades económicas, la sostenibilidad, la integridad electoral, la salud, la preparación para desastres y la educación. Tiene un MBA por Stanford y es licenciado en Matemáticas y Estudios de Asia Oriental por la Universidad de Brown.

Gib Lopez

COO
Gib López cofundó PayJoy y se desempeña como director de operaciones apoyando las operaciones globales. Gib empezó su carrera en consultoría estratégica antes de enfocarse en las comunidades desatendidas y el desarrollo global, trabajó con TechnoServe, Camber Collective y Dalberg Global Development Advisors. Durante este tiempo, Gib trabajó con gobiernos, la Fundación Bill y Melinda Gates y empresas con fines de lucro en los EE. UU., América Central, África, Europa y Asia. Tiene un MBA de Stanford Graduate School of Business y una licenciatura en Finanzas y Español de la Universidad de Washington.
Deepak Murthy
President, GTM
Priscila Barrantes
VP & Country Manager
PayJoy Mexico

Deepak Murthy

President, GTM
En una misión para brindar acceso al crédito a los próximos mil millones de personas. Deepak Murthy es el presidente global de PayJoy y trabaja con los fundadores, Mark y Gib, para liderar todo nuestro desarrollo comercial externo, ventas, operaciones y escalado. Deepak dirigió la expansión internacional de Box y también construyó la unidad de negocios más grande que se centró en su asociación con IBM. Antes de Box, fue director de BCG, donde pasó varios años sirviendo a grandes clientes de tecnología en los EE. UU., India e Indonesia. Deepak tiene un MBA de la Northwestern University - Kellogg School of Management y una maestría en Ingeniería Informática de la Universidad de Kansas.

Priscila Barrantes

VP & Country Manager
PayJoy Mexico
Priscila Barrantes es vicepresidenta y gerenta nacional de PayJoy México, impulsa el crecimiento del mercado más grande de la compañía y gestiona todos los aspectos de las operaciones en el país.Con más de 15 años de experiencia en Fintech, CPG, Retail y eCommerce, Priscila ha desempeñado roles clave en Walmart, AB-InBev y América Móvil, enfocándose en estrategias comerciales, implementación de productos e innovación.Antes de unirse a PayJoy, fue líder comercial de las divisiones de comercio electrónico y directo al consumidor de AB InBev.

Priscila tiene una licenciatura en Ingeniería Industrial de la Universidad Anáhuac y Maestría en Negocios Digitales de ISDI.

Board of Directors

Doug Ricket
CEO
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John Buttrick
USV
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Josh McFarland
Greylock
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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
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

PayJoy en asociación con ClimatePartner se convierte en carbono neutro.

Apoyamos el proyecto de la protección de bosques en Mataven, Colombia uno de los países en el que estamos presentes.

Nuestras oficinas

Mexico
Alcaldía Cuauhtemoc, Ciudad de México
Customer Service Mexico
United States
655 4th Street
San Francisco, CA 94107
Brazil
WeWork – Av Paulista – São Paulo, SP.
Customer Service Mexico
WhatsApp
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
WhatsApp
Peru
Manuel Olguín Av. – Santiago de Surco, Lima
Canales de atención al cliente
Whatsapp: +51 978662235
Call center: (01) 641-9779
Horario:
Lunes a Sábado de 8:00 a 19:00
Domingos y Feriados de 10:00 a 18:00
WhatsApp
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
WhatsApp
Colombia
Canales de atención al cliente:
Llamada (601) 4850266
WhatsApp
Philippines
PayJoy, WeWork, 36th S & 11th Avenue, BGC, Taguig, Metro Manila 1634.