About ClarityPay:

We give businesses and their customers peace of mind by solving complex credit challenges with precision, speed, and intelligence, combining deep expertise with advanced technology, to simplify the experience and deliver better outcomes, every time.

We're a fast-growing fintech empowering enterprise merchants with smarter, more adaptive pay-over-time solutions. From point-of-sale financing to "Buy Now, Pay Later" programs and loyalty-integrated offers, we're building configurable credit tools that help businesses serve more of their customers.

We value teamwork, clarity of purpose, and rigorous attention to data to drive action. We balance speed and excellence to deliver an exceptional customer experience.

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 NYC or 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.

ClarityPay is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.