Joseph Heck

Joseph Heck is CEO of Zip Co US,a digital financial services company offering innovative and people-centered products. With over 20 years in consumer lending, Joe has consistently driven innovation and transformation across the industry.

Before joining Zip, Joe served as CEO of fintech Happy Money, where he previously held the role of Chief Operating Officer overseeing sales, risk, data science, operations, and customer experience.

Prior to Happy Money, Joe spent 15 years at TruStage (formerly CUNA Mutual Group), holding various leadership positions focused on sales and product innovation, helping financial institutions navigate their digital transformation.