Providing access to financial services for all Africans

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, and Ghana.

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.

Our Founders

Chijioke Dozie

Co-founder & CEO

Chijioke Dozie was an investment analyst at the international Finance Corporation and an investment associate at Zephyr Management LP in the US and South Africa. He holds an MBS from Harvard Business School.

Ngozi Dozie

Co-founder & Managing Director

Ngozi Dozie was an investment banker at JPMorgan in New York, a business process risk consultant at Arthur Andersen UK and a financial analyst at Deloitte & Touche. He holds an MBA from Wharton School and is a CFA Charter holder.

We’ve been empowering Nigerians with access to credit for over 10 years

2012

The journey to democratize credit in Nigeria began

One Credit was founded in Lagos, Nigeria. The company provided loans to salary earners only, using a paper based application process that required supporting documentation.

2015

More credit for more people…

The company broadened 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.

2016

Going digital…

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.

2019

Enter 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. Carbon represents our intent to offer the most diverse digital finance platform, anywhere.