Director of Risk Management

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 managementPartner with engineering and data teams to build resilient, automated decision systemsDevelop and monitor risk KPIs across products and merchant portfoliosGuide the implementation of credit policies and early warning frameworksEnsure strong regulatory and governance standards, working closely with legal and compliance leadsRepresent the Risk function in cross-functional initiatives and leadership discussionsLead, mentor, and grow a team of analysts and risk managersQualifications: Bachelor's degree in a quantitative field (e. g.

, Economics, Finance, Statistics, Engineering); advanced degree a plus8+ years of experience in consumer or SMB credit risk strategy at a fintech, bank, or credit-focused startupExperience building and managing credit policies and decisioning for installment loans or revolving creditProficiency in SQL and data analytics; familiarity with Python or business intelligence tools a plusFamiliarity with Data science model development life cycle. Proven ability to translate data into strategic decisions and communicate clearly with exec stakeholdersFamiliarity with U. S. consumer credit regulations (FCRA, ECOA, UDAAP, etc. )Bonus Points:

Experience launching and scaling credit programs at early-stage fintechsDirect experience with BNPL, embedded finance, or POS lendingBackground in regulatory exam readiness or second-line governancePrior leadership or team management experienceWhat we offer: Competitive compensation and equity packageComprehensive benefits (medical, dental, vision)Collaborative, fast-paced team with strong product and growth orientationOpportunities to grow, lead, and shape the future of consumer finance401(k) programRole 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 AtlantaThis role reports to the Chief Credit OfficerSalary:

$120,000 to $200,000Ready 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. Compensation Range: $120K - $200K