Why Carbon?
Our Mission
We believe access to credit and quality financial services is a human right. Our mission is to empower all people with the financial access they need to pursue a life of dignity and prosperity.
Who we are
We empower individuals with access to credit, simple payments solutions, high-yield investment opportunities and easy-to-use tools for personal financial management. Carbon is headquartered in Lagos, Nigeria. We are a global company of over 90 employees with operations in Nigeria, England and the United States
Leadership
Chijioke Dozie
Founder - CEO
Ngozi Dozie
Founder
Emeka Mordi
COO
Kanchan Pradeep
Head - Finance
Emilio Vacca
CTO
Pascal Bernard
Head - Data Science
Isoken Okusami
Chief People Officer
Brandon Visser
Head - Business Intelligence
Alex Atomei
Head - Credit Risk
Charlotte Schroder
Head - Retail Analytics
Skuli Ingolfsson
Head - Risk
We have been providing credit to Nigerian consumers for over 6 years…
2019: Carbon
As the suite of financial services offered in the app expanded from just loans and into payments, investments and personal finance management, the name 'Paylater' became a little limiting! Enter Carbon. Carbon represents our aspiration to go everywhere with our customers, form an essential part of their existence and be versatile enough to change or innovate to fulfill their needs. The renamed service signaled our intent to offer the most diverse digital finance platform, anywhere.
2016: Going digital…
Thousands is good, but Millions is better! The founders realize that by leveraging technology, they could provide access to credit to significantly more consumers, and make the application process easier along the way. The Paylater mobile app was launched in May 2016. It was the first service of its kind. A fully digital consumer lending experience, available 24/7, that can get borrowed funds into a person’s account in minutes. After just 2 years in market, the Paylater mobile app was downloaded by over 1 million users.
2015: More credit for more people.
With the introduction of the unique Bank Verification Number (BVN) and national credit bureau services, it becomes possible for the company to provide more loans to more people, not just salary earners. The company broadens its service offering, leveraging a network of agents on the ground to get lending services in the hands of thousands of Nigerians under the OneFi brand.
2012: The journey to democratize credit in Nigeria begins…
One Credit is founded in Lagos, Nigeria. The company provides loans to salary earners only, using a paper based application process that requires supporting documentation.
