BOOK NOW FOR your podcast
Joe Bayen
CEO & Founder at Grow Credit Inc.
- Finance
- Technology
- Entrepreneur
- 📍Santa Monica, CA
Joe Bayen is Founder and CEO at Grow Credit Inc., a top #30 finance app in the App Store.
Over the past decade, Joe has specialized in underwriting, credit score improvement, user acquisition, and monetization. He has successfully raised $120M for Grow Credit!
Grow Credit helps consumers establish or build credit using a MasterCard designed to exclusively process subscription payments. The platform enables consumers with thin credit or no credit files to seamlessly establish a credit history using Netflix, Disney Plus, Spotify accounts, and many more. Grow has just closed a $10M Series A led by USAA in September 2023.
In 2015, Joe founded Lenny Credit, a small-dollar loan and credit score improvement platform which received industry accolades from JP Morgan Chase, Paypal, and Discover.
read more
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LET'S TALK ABOUT:
-
Steps to building an anti-fragile culture.
-
Tips to fundraise in challenging times.
-
How and why to pivot.
-
The advantages of being a minority founder.
--
Prior to launching Lenny Credit, Inc., Joe held an EIR position at VC fund Science-inc, assisting with mobile growth strategies as well as the development of Refame, a vine and Instagram influencer platform acquired by Famebit.
Joe was the CEO and Founder at ICS Mobile Inc, the developer behind Free App A Day, a mobile application marketing platform with 12M users worldwide that was bootstrapped to $18.3M in total revenue. Notable clients included Disney, Electronic Arts, Groupon, and Kabam.
Prior to founding ICS, Joe held the position of COO at mobile game developer In-Fusio, the developer behind Microsoft's Age of Empire II.
In 2004, Joe held the position of Managing Director at Allegorithmic, the developer behind Substance, the industry standard for texturing and material authoring, acquired by Adobe.
Joe received a track and field scholarship from the University of Miami where he graduated on the Dean’s list with a B.A in International Finance & Marketing.
BOOK NOW FOR your podcast
Joe Bayen
CEO & Founder at Grow Credit Inc.
- 📍Santa Monica, CA
- Finance
- Technology
- Entrepreneur
Joe Bayen is Founder and CEO at Grow Credit Inc., a top #30 finance app in the App Store.
Over the past decade, Joe has specialized in underwriting, credit score improvement, user acquisition, and monetization. He has successfully raised $120M for Grow Credit!
Grow Credit helps consumers establish or build credit using a MasterCard designed to exclusively process subscription payments. The platform enables consumers with thin credit or no credit files to seamlessly establish a credit history using Netflix, Disney Plus, Spotify accounts, and many more. Grow has just closed a $10M Series A led by USAA in September 2023.
In 2015, Joe founded Lenny Credit, a small-dollar loan and credit score improvement platform which received industry accolades from JP Morgan Chase, Paypal, and Discover.
read more
Â
LET'S TALK ABOUT:
-
Steps to building an anti-fragile culture.
-
Tips to fundraise in challenging times.
-
How and why to pivot.
-
The advantages of being a minority founder.
--
Prior to launching Lenny Credit, Inc., Joe held an EIR position at VC fund Science-inc, assisting with mobile growth strategies as well as the development of Refame, a vine and Instagram influencer platform acquired by Famebit.
Joe was the CEO and Founder at ICS Mobile Inc, the developer behind Free App A Day, a mobile application marketing platform with 12M users worldwide that was bootstrapped to $18.3M in total revenue. Notable clients included Disney, Electronic Arts, Groupon, and Kabam.
Prior to founding ICS, Joe held the position of COO at mobile game developer In-Fusio, the developer behind Microsoft's Age of Empire II.
In 2004, Joe held the position of Managing Director at Allegorithmic, the developer behind Substance, the industry standard for texturing and material authoring, acquired by Adobe.
Joe received a track and field scholarship from the University of Miami where he graduated on the Dean’s list with a B.A in International Finance & Marketing.
As seen on
“Grow Credit, the startup that launched last year to help customers build out their credit scores by providing a credit line for online subscriptions like Spotify and Netflix, has added Mucker Labs as an investor and closed its seed round with $2 million in total commitments.”Â
“CEO Joe Bayen, 46, a serial entrepreneur whose startups include an iPhone app discovery marketplace that attracted 12 million users called Free App A Day.”Â
“Join us for a discussoin in how subscriptions can be used to improve your credit. Our guest, Joe Bayen, Founder and CEO of Grow Credit, breaks down this innovation further with our host Kenneth Goodwin.”Â
Timeline
Nov 2018 - Present
Grow Credit Inc.
CEO & Founder

Aug 2016 - Present
Founder Institute
Mentor

Mar 2017 - Jan 2019
Fashion Institute of Design & Merchandising
MBA Advisory Board Member

Jan 2016 - Oct 2018
Lenny Credit, Inc.
CEO & Founder

Ask me
| About my journey from being born in Cameroon to scaling several multi-million dollar businesses in different industries. |
| How my experience as a division 1 athlete and sprinter from Cameroon impacted my leadership. |
| Why does financial literacy and financial education matter so much? |
| What traits do you recommend founders should develop to strive as entrepreneurs? |