Ngozi Dozie

Ngozi Dozie is a Nigerian-American technology entrepreneur, financial services executive, and co-founder of Carbon (formerly Paylater), a leading African FinTech company. He is recognized for his extensive experience in the finance and retail sectors across Africa, the UK, and the US.Early Life and Education Ngozi Dozie has over 20 years of experience in the financial and retail services sector. For his higher education, he obtained an MBA from the Wharton School at the University of Pennsylvania and is a CFA Charter holder. His early career included roles as an investment banker at JPMorgan in New York, a business process risk consultant at Arthur Andersen UK, and a financial analyst at Deloitte & Touche.Career Progression and Notable Works Dozie is the Co-founder and Managing Director of Carbon, a FinTech platform he established in 2012 alongside his brother, Chijioke Dozie, initially under the name Paylater. The company was founded with the mission to support financial inclusion in Africa by providing financial services to the unbanked and underserved. Under the leadership of the Dozie brothers, Carbon has evolved into a full-service digital bank that offers debit cards, payment solutions, high-yield investments, and access to credit through its mobile application. Ngozi Dozie's career spans more than two decades, during which he has co-founded or led over 10 companies across three African countries. His expertise covers private equity, risk consulting, and investment banking, which informed the strategic direction and growth of Carbon within Nigeria's burgeoning FinTech ecosystem. Carbon is considered a pivotal company in the African FinTech revolution.