Joseph Heck

CEO, U.S. Zip

Joseph Heck is the US CEO of Zip Co, a digital financial services company offering innovative and people-centered products. As an accomplished business leader with over 20 years of experience in consumer lending, Joe has 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.