Director of FP&A

ClarityPay•Atlanta, GA

About The Position

At ClarityPay, we're redefining the point-of-sale credit market to bring more value to merchants. Based in NYC and Atlanta, our fast-growing fintech empowers large merchants with configurable “Pay-Over-Time” tools— including monthly installments, BNPL, and revolving products. We solve complex credit challenges with speed, precision, and intelligence—combining deep expertise with advanced tech to deliver better outcomes, every time. Our clients rely on us to help them serve their customers, grow, and build loyalty. Our values guide everything we do: we put merchants first, stay data-driven, always know the why, learn relentlessly, and win together as a team. This clarity of purpose fuels our commitment to delivering exceptional customer experiences at speed and scale. About Us We are a fast-growing asset-based finance platform built on modern fintech infrastructure. Having recently closed our Series A, we are scaling our operations, expanding our product suite, and deepening relationships with institutional capital partners. This is a rare opportunity to join a high-growth company at an inflection point and help shape the financial foundation of the business. Position Overview As the Director of FP&A, you will lead the planning, forecasting, and analytical efforts that drive financial and strategic decision-making across the organization. You'll work closely with the executive team and department heads to deliver insights, build scalable processes, and ensure alignment between financial outcomes and business objectives. This is a hands-on, high-impact role that requires deep expertise in loan portfolio economics and warehouse facility modeling — you will be the architect of how we understand and optimize returns across the capital stack. This role is not a traditional FP&A position. We are looking for someone who thinks like a credit investor or structured finance analyst, and can build from scratch.

Requirements

Bachelor's degree in Finance, Economics, Accounting, or a related field; MBA or CFA a plus
8–12 years of experience in structured finance, specialty finance, credit investing, or asset-based lending — candidates from traditional corporate FP&A or SaaS finance backgrounds are unlikely to be a fit
Hands-on experience building lever-based IRR models for loan portfolios, including gross yield, cost of funds, loss assumptions, servicing costs, and net spread — this is a core day-one requirement
Deep familiarity with warehouse facility economics: advance rates, utilization, spread, eligibility criteria, and how facility usage impacts portfolio-level returns
Ability to model waterfall structures, portfolio seasoning, and prepayment/default sensitivities
Strong Excel and financial modeling skills; experience with BI tools
Familiarity with key credit and fintech metrics: net yield, loss-adjusted return, LTV/CAC, take rate, payment volumes, and cohort-level performance
Experience supporting capital raises, debt financing (warehouse facilities, securitizations, or fund structures) — direct experience negotiating or modeling facility terms is a strong plus
Proven ability to operate independently in a fast-paced, ambiguous startup environment
Strong communicator — able to translate complex structured finance concepts into board- and investor-ready narratives

Responsibilities

Partner with the Executive team to develop long-term financial models and strategic plans, including portfolio performance projections, funding/liability modeling, and scenario analysis
Lead annual budgeting and rolling forecasting processes across the company
Translate company goals into financial targets and operational KPIs across origination, portfolio quality, funding costs, and unit economics
Provide monthly and quarterly reporting on financial performance, including variance analyses and actionable recommendations
Analyze profitability, customer acquisition costs, unit economics, and asset-based finance metrics (LTV/CAC, take rate, yield dynamics, loss rates, and cohort performance)
Collaborate cross-functionally with Product, Operations, and Sales to assess performance and forecast the impact of business decisions
Build and own a lever-based IRR model for the loan portfolio, incorporating gross yield, cost of funds, credit losses, servicing costs, prepayments, and net spread
Model warehouse facility utilization and economics — including advance rates, draw/repayment timing, facility costs, and the impact of utilization on portfolio-level IRR
Run sensitivity and scenario analysis across key levers (loss rates, prepayment speeds, funding costs, origination volume) to guide pricing, underwriting, and capital deployment decisions
Develop waterfall models and portfolio seasoning curves to support facility compliance and investor reporting
Own the financial model; ensure it is dynamic, scalable, and incorporates key drivers of the business, including portfolio growth and credit performance
Drive scenario planning and sensitivity analysis to assess potential risks and opportunities
Develop and maintain covenant tracking and compliance reporting for debt facilities
Prepare board decks, investor updates, lender reporting packages, and executive presentations
Support future fundraising processes including Series B, credit facilities, and securitizations
Monitor and analyze SEC filings (10-K, 10-Q, 8-K, S-1) of public peers and competitors to benchmark financial performance, identify industry trends, and inform strategic planning
Maintain alignment with GAAP/IFRS reporting in coordination with the accounting team
Foster a culture of data-driven decision-making and financial discipline
Partner with data and engineering teams to build scalable reporting infrastructure and BI tooling
Hire and develop a high-performing FP&A function as the company scales
Establish best-in-class financial processes, tools, and controls