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.