Doug Ricket founded PayJoy in 2015 to make technology and financial services affordable in emerging markets. Doug was inspired by his time as a Peace Corps volunteer teacher in West Africa, his work building the first global digital map at Google Maps, and his patented inventions that launched the pay-as-you-go solar industry. Doug holds a bachelor’s and master’s degree in computer engineering from MIT with concentration in AI. He also holds an MBA from Stanford, where he guest lectures in the big data and machine learning course.

Nick Talwar is the founder and Managing Partner of Rohati Capital, a global venture capital platform he established in 2024 with former Amazon colleagues to give individual investors access to top-tier venture capital opportunities. Rohati, which means "to ascend" in Sanskrit, reflects the firm's mission to deliver superior investment results while unlocking human potential around the world. The firm invests predominantly in the U.S., with an additional focus where the team at Rohati believes talent is paired with opportunity, in particular India, as well as exposure to Brazil and the Israeli and Chinese diasporas.

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An investor and operator, Nick has spent his career building and scaling fintech, mobility, and marketplace businesses at some of the world's leading technology companies. Prior to founding Rohati, he led Visa's North American credit card business and launched and scaled Amazon Lending, Amazon's embedded lending arm, into a profitable business generating more than $1 billion in assets and more than $100 million in profit globally. He also ran vehicle supply and financing for Uber worldwide and served as President and Chief Executive Officer of CircleUp.

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He is an active board member and advisor, with board service at PayJoy, Rapido, Shipper, and the School of Foreign Service at Georgetown University, his alma mater, and he sits on the International Selection Committee of Endeavor. He was selected as a Young Global Leader at the World Economic Forum and a Finance Leaders Fellow at the Aspen Institute. Nick holds degrees from Georgetown and Wharton and lives in the Bay Area with his family.

As PayJoy’s General Counsel, Amy Pardee is responsible for leading the company’s global Legal and Compliance functions. She brings over 15 years of deep legal experience to the team, including serving as General Counsel of Narmi, a digital banking platform. Prior to Narmi, Amy led the international legal team at Square (now Block). She holds B.A.s in Economics and Political Science from Stanford University and a J.D. from Harvard Law School.

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.

Brad is PayJoy’s President of Financial Products. He currently runs Risk, Data Science, Fraud and Asset Valuation. Prior to joining PayJoy, Brad held a number of leadership and quantitative roles including CRO and Head of Data at Prosper Marketplace and Global Risk Management consultant at Moody’s Analytics. He has a passion for building teams and products that improve the financial lives of users at massive scale. Brad obtained his B.S. from the Wharton School at the University of Pennsylvania along with degrees in Mathematics and Economics.

Gib Lopez co-founded PayJoy and serves as COO supporting global operations. Gib began his career in strategy consulting before shifting his focus to underserved communities and global development, working with TechnoServe, the Camber Collective, and Dalberg Global Development Advisors. Over this time, Gib worked with governments, the Bill & Melinda Gates Foundation, and for profit enterprises across the US, Central America, Africa, Europe, and Asia. He holds an MBA from the Stanford Graduate School of Business and bachelor's degrees in Finance and Spanish from the University of Washington.

Lucia Villar is a seasoned leader in financial services and fintech, with deep expertise in financial inclusion and consumer credit. Prior to joining PayJoy, she served as General Manager of Alternative Lending at JP Morgan Chase. Before her time at Chase, Lucia led investments in education and small-dollar credit at Community Investment Management (CIM) and the personal loans division at Earnest (acq. NAVI). She began her career in microfinance, working with ACCION International and Citi Foundation. Lucia holds a B.A. from Tufts University and an MBA from Columbia Business School.

Iván Canales is PayJoy’s Chief Revenue Officer, leading revenue growth, country management, and marketing strategy across PayJoy's global footprint in Latin America, Asia, and Africa. He brings a strong track record of building and scaling financial platforms in high-growth markets. Prior to PayJoy, Iván served as Country Manager of Nubank Mexico, where he launched the company’s first products and scaled the business to more than 12 million customers, establishing it as one of the country’s leading financial institutions. Earlier in his career, he held leadership roles at BlackRock, Amazon Web Services, Credit Suisse, and Merrill Lynch. He holds an MBA from the Stanford Graduate School of Business, and a bachelor’s degree in computer science from Cornell University.

Bharath is PayJoy’s Chief Technology Officer. He is responsible for leading all of PayJoy’s technology, engineering, and product platforms. Bharath brings over 22 years of technical leadership, architecture, and engineering experience to PayJoy.

Prior to PayJoy, Bharath was Global Head of Engineering for Square Banking at Block, Inc., where he scaled and managed Square’s banking platform, delivering over $650 million in gross profit. Before Block, he served as Head of Engineering for Intuit’s lending and money movement platforms. During COVID, he led the launch of the Government’s Paycheck Protection Program at Intuit, delivering over $1.4 billion in funds to more than 34,000 small businesses within two weeks of launch.

Bharath holds a Master’s degree in computer science from University of Kentucky.

Maryann Kongovi is PayJoy’s SVP of People. Before joining PayJoy, Maryann spent a decade scaling global teams at venture-backed startups, following a successful tenure building and leading sales teams at Google. Maryann holds an MA from Oxford University, and an MBA from Columbia University.