Xcout Intel
PayJoy
PayJoy, Inc. provides consumer financial services, including a buy-now-pay-later platform, and is recognized as a leading global fintech company headquartered in San Francisco, California.
Subscribe to see PayJoy’s full profile → the full roster, investors in every round, weekly hiring history and every corporate event
PayJoy at a glance
PayJoy is a financial services company headquartered in United States. Its most recent funding round raised $14.8M in May 2023. Xcout tracks 16 named people at PayJoy, including Brad Pennington (President, Financial Products). Xcout recorded 174 job postings from PayJoy in the last 90 days, naming tools such as Zoho, Zendesk, Power BI.
PayJoy leadership
- Brad PenningtonPresident, Financial Products
- Nick ZakrasekPresident, Product Development
- Bill YialamasChief Financial Officer
- Bharath RamarathinamCTO
- Iván CanalesChief Revenue Officer
- Amy PardeeGeneral Counsel
10 more named people on record for PayJoy, with roles, board committees and tenure — see the full roster →
PayJoy funding rounds
The 5 most recent:
| Date | Round | Amount | Investors |
|---|---|---|---|
| SEC Form D filing | $14.8M | — | |
| Series B | $20M | 6 named | |
| Seed | $4.9M | 1 named | |
| SEC Form D filing | $1M | — | |
| — | $6M | — |
Who invested in each round, lead investors, valuations and the co-investor graph — open the full funding history →
Hiring at PayJoy
Xcout recorded 174 job postings from PayJoy in the last 90 days, from a hiring record Xcout has kept since June 2026.
Tools named in PayJoy's job postings
The weekly hiring trend, the roles and locations behind it — see PayJoy's hiring signals →
Hiring vs the trend
Based on 93 job postings in the last 8 weeks (10 Aug – 4 Oct 2026), compared with 81 startup financial services companies.
This describes a hiring pattern — how often PayJoy’s job postings ask for AI skills, and how that changed against the previous 8 weeks, ranked among its peers. It says nothing about the company’s products or performance.
Signed-in members see the AI-skill share and its change with peer percentiles, role mix, posting momentum and advertised US pay against the market.
Investors
Tech stack
PayJoy competitors
A few of PayJoy's closest competitors — see the full list of competitors and alternatives →
Snap Finance provides alternative financing solutions, including lease-to-own financing, installment loans, and retail installment contracts. The company serves consumers looking to purchase goods such as furniture, tires, electronics, and appliances without relying on traditional credit scores.
ESTO provides financial services including lines of credit, consumer loans, and buy-now-pay-later payment solutions for individuals and businesses.
Pepper Finance Corporation provides omnichannel buy-now-pay-later (BNPL) financing solutions for both physical and online retail businesses.
Financeit provides point-of-sale consumer financing solutions for businesses in the home improvement, retail, and vehicle sectors.
CareFund Holdings LLC operates as a direct lender providing consumer financing solutions for healthcare procedures, home improvements, and automotive services. The company partners with service providers to offer structured monthly payment plans ranging from $500 to $50,000 for customers.
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More on PayJoy in Xcout Intel
- 16 named people with titles, LinkedIn and board committees
- 9 funding rounds with the investors in each, and who they co-invest with
- Weekly hiring history and the mix of roles behind it
- The full competitor set, tracking, exports and API access