Role Overview:As
Director of Risk Management, you will lead credit strategy and portfolio performance oversight across ClarityPay's Pay Over Time lending solutions. You'll own the design and execution of scalable, data-driven risk frameworks that fuel growth while protecting our capital.
You'll collaborate cross-functionally with Data, Product, and Revenue teams to strengthen our underwriting, exposure, fraud, and repayment strategies-balancing innovation with rigor and compliance. This is a senior, high-impact role well-suited for a strategic thinker with deep credit risk experience in fintech or lending.
In this role, you will...- Own and evolve the risk strategy across the lifecycle: onboarding, limit assignment, early-stage collections, and default management
- Partner with engineering and data teams to build resilient, automated decision systems
- Develop and monitor risk KPIs across products and merchant portfolios
- Guide the implementation of credit policies and early warning frameworks
- Ensure strong regulatory and governance standards, working closely with legal and compliance leads
- Represent the Risk function in cross-functional initiatives and leadership discussions
- Lead, mentor, and grow a team of analysts and risk managers
Qualifications:- Bachelor's degree in a quantitative field (e.g., Economics, Finance, Statistics, Engineering); advanced degree a plus
- 8+ years of experience in consumer or SMB credit risk strategy at a fintech, bank, or credit-focused startup
- Experience building and managing credit policies and decisioning for installment loans or revolving credit
- Proficiency in SQL and data analytics; familiarity with Python or business intelligence tools a plus
- Familiarity with Data science model development life cycle.
- Proven ability to translate data into strategic decisions and communicate clearly with exec stakeholders
- Familiarity with U.S. consumer credit regulations (FCRA, ECOA, UDAAP, etc.)
Bonus Points:- Experience launching and scaling credit programs at early-stage fintechs
- Direct experience with BNPL, embedded finance, or POS lending
- Background in regulatory exam readiness or second-line governance
- Prior leadership or team management experience
What We Offer:- Competitive compensation and equity package
- Comprehensive benefits (medical, dental, vision)
- Collaborative, fast-paced team with strong product and growth orientation
- Opportunities to grow, lead, and shape the future of consumer finance
- 401(k) program
Role Details:- We are a remote-first team, with a preference for candidates based in the U.S.
- Hybrid options available for those located in Atlanta
- This role reports to the Chief Credit Officer
Salary:$120,000 to $200,000
Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality.
