US CEO Joe Heck

Joe is an accomplished business leader with over 20 years’ experience in consumer lending and a track record of driving innovation and transformation within the lending industry.

Prior to Zip, he was CEO of US fintech Happy Money and prior to this he served as Happy Money’s Chief Operating Officer, overseeing sales, risk, data science, operations, and customer experience.

Before joining Happy Money, Joe spent 15 years at TruStage (formerly CUNA Mutual Group) in various leadership roles spanning sales and product innovation to help financial institutions on their digital transformation journey.