Bio

Joe Bayen is Founder and CEO at Grow Credit Inc. Over the past decade, Joe has specialized in underwriting, credit score improvement, user acquisition, and monetization. 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. 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. 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.