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


Chijioke Dozie

Chijioke Dozie

Founder - CEO

Ngozi Dozie


Emeka Mordi


Kanchan Pradeep

Head - Finance

Emilio Vacca


Isoken Okusami

Chief People Officer

Alex Atomei

Head - Credit Risk

Charlotte Schroder

Head - Retail Analytics

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.

In the News

Downloadable press kit

Contact us


Plot 642C, Akin Adesola Street,
Victoria Island, Lagos

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