Director of Risk Management
About The Position
ClarityPay gives 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. 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.
Requirements
- 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.)
Nice To Haves
- 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
Responsibilities
- 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
Benefits
- Comprehensive benefits (medical, dental, vision)
- 401(k) program
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What This Job Offers
Job Type
Full-time
Career Level
Director
