---
title: 'Director of Data Science at ClarityPay'
canonical: 'https://feeny.ai/job/director-of-data-science-claritypay-atlanta-ckxdbsx48qkc'
type: 'job'
last_seen: '2026-09-17'
---

# Director of Data Science at ClarityPay

- **Company:** ClarityPay
- **Location:** Atlanta, GA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-03-27
- **Last confirmed live:** 2026-09-17
- **Apply:** https://jobs.ashbyhq.com/claritypay/602a26d9-457e-476e-bf5c-aded573ec061

## Job description

## About Us

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 The Role

The Director of Data Science — Credit Risk & Decisioning will own ClarityPay's predictive modeling strategy for consumer credit. You will lead the end-to-end development of Probability of Default (PD) models, Loss Given Default (LGD) frameworks, and behavioral scoring systems that power our origination and portfolio management decisions. You will work at the intersection of risk, pricing, and product — translating raw applicant, bureau, and behavioral data into production-grade models that directly influence approval rates, pricing tiers, and portfolio loss curves. This is a hands-on leadership role: you will write code, build models, and own outcomes, while also mentoring junior data scientists and partnering with Engineering, Finance, and the Capital Markets team.

## KEY RESPONSIBILITIES

PD & Credit Risk Modeling

- Own the full lifecycle of Probability of Default (PD) models for installment loan and BNPL originations — from feature engineering through champion/challenger deployment and ongoing monitoring
- Build and maintain LGD and EAD models to support expected loss calculations and pricing optimization
- Develop vintage-level loss curves and roll-rate frameworks to forecast portfolio performance across all product terms
- Integrate alternative data sources (bureau tradelines, income verification, behavioral signals) to improve predictive lift, particularly for thin-file and non-prime consumers
- Design and execute A/B experiments to continuously improve model performance against AUC, KS, and Gini benchmarks

Decisioning & Underwriting Infrastructure

- Define and maintain decision scorecards and cutoff strategies across product tiers, balancing approval rate, risk appetite, and margin targets
- Partner with Pricing to ensure PD output feeds directly into IRR-based pricing frameworks — including Purchase Price and MDR optimization for our merchant network
- Build real-time model serving pipelines in collaboration with the Data Engineering team
- Drive policy rule development and scorecard governance in alignment with fair lending requirements (ECOA, FCRA)

Portfolio Monitoring & Model Risk Management

- Establish performance monitoring frameworks: PSI, CSI, and vintage-level deviation tracking versus forecast
- Lead model recalibration and rebuild cycles in response to portfolio drift, macro shifts, or product expansion
- Produce model documentation and validation artifacts that meet institutional investor and warehouse lender standards
- Interface with external model validators and auditors as the company scales its capital markets program

Leadership & Cross-Functional Impact

- Hire, mentor, and grow a team of data scientists, setting standards for modeling rigor and code quality
- Be a thought partner to the CRO, CFO, and Capital Markets team on risk appetite, product design, and investor reporting
- Represent ClarityPay's modeling approach to warehouse lenders, ABS investors, and rating agencies during due diligence

## WHAT WE'RE LOOKING FOR

Required

- 10+ years of experience in quantitative modeling, with at least 3 years focused on consumer credit risk
- Deep, hands-on expertise building PD models — logistic regression, gradient boosting (XGBoost/LightGBM), survival models — in a production lending context
- Strong Python (pandas, scikit-learn, statsmodels) and SQL skills; experience deploying models to production environments
- Experience with installment loan, personal loan, or BNPL products strongly preferred; point-of-sale or retail credit a plus
- Fluency in credit bureau data (Experian, Equifax, TransUnion) and tradeline-level feature engineering
- Proven track record building models that improved loss performance or expanded approval rates at a measurable scale
- Comfort with the full data science lifecycle: hypothesis → feature engineering → model training → backtesting → monitoring
- Strong communication skills: ability to translate model outputs into business decisions for non-technical stakeholders
- MS or PhD in Statistics, Mathematics, Economics, Computer Science, or related quantitative field (or equivalent experience)

## Preferred

- Experience at a fintech lender, BNPL company, or marketplace lender
- Familiarity with CECL / IFRS 9 expected loss frameworks
- Experience presenting model frameworks to institutional investors or during ABS securitization diligence
- Exposure to fair lending testing (disparate impact analysis, adverse action analysis)
- Prior people management experience or demonstrated mentorship of junior data scientists

ClarityPay is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

## About ClarityPay

## Company Overview
- **One-liner**: ClarityPay provides configurable point-of-sale (POS) financing solutions that empower merchants to offer pay-over-time plans to their customers, driving sales and customer loyalty.
- **Entity Type**: Private (Seed VC-II stage)
- **Headquarters**: New York, New York, United States
- **Founded**: 2024
- **Founders**: Houman Motaharian (CEO)

## Core Business
- **Primary industry**: Financial Services / Fintech (Specialty Finance, Point-of-Sale Lending)
- **Target customers**: B2B (Merchants in retail, medical spa, travel, and other sectors); B2C (Consumers making large purchases at those merchants).
- **Mission or purpose statement**: “We empower merchants to take full control of their commerce flows by providing capital to serve more of their clientele and elevate their brand. We are merchant first so that merchants can be customer first.”

## Products & Services
- **ClarityPay POS Financing Platform**: An all-in-one, omnichannel lending solution that allows merchants to offer instant, pre-approved, transparent pay-over-time plans to their customers. The platform includes features like seamless repurchase capabilities, auto-pay and scheduling tools, and a single online account for consumers. It is designed to be configurable to a merchant’s specific needs and integrates into their existing sales flow [claritypay.com](https://www.claritypay.com/).

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed.
- **Key Metric**: Total funding raised is not publicly disclosed, but notable capital includes a **$1 billion capital purchase program** from **Neuberger Berman Group** (announced Feb 2025) to buy consumer loans over several years [claritypay.com](https://www.claritypay.com/about-us). The company also achieved **profitability** in mid-2025 and raised a growth capital round [claritypay.com](https://www.claritypay.com/about-us).
- **Notable Investors/Partners**: TTV Capital (lead investor), Outpost Ventures, Vesey Ventures, Neuberger Berman Group (capital partner), DR Bank (member FDIC) [cbinsights.com](https://www.cbinsights.com/company/claritypay).
- **Growth Signals**: Headcount grew **+161.1% YoY** (from 8 to 37 employees) [linkedin.com](https://www.linkedin.com/company/claritypay). The company is expanding its POS lending solution to new verticals and has launched a branded credit program with **Diamonds International** [claritypay.com](https://www.claritypay.com/about-us). Key hires include former Divvy and Goldman/AmEx executives to lead institutional funding and operations, signaling a push to scale.

## Competitive Advantages
- **Merchant-First Philosophy**: The platform is highly configurable, allowing merchants to tailor credit offers and control their own commerce flows, which differentiates it from more rigid, one-size-fits-all POS lenders.
- **Full-Spectrum Lending**: ClarityPay offers financing across the entire credit spectrum, not just prime borrowers, enabling merchants to serve a wider customer base.
- **Strong Capital Backing**: A $1 billion capital commitment from a top-tier asset manager like Neuberger Berman provides a massive and stable funding source for loan origination.
- **Experienced Leadership Team**: The team is composed of veterans from major fintechs (Divvy, LendingPoint), banks (Goldman Sachs, Citi), and payment networks, bringing deep credit, risk, and payments expertise.

## Strategic Focus
- **Scale Loan Origination**: Using the $1B capital program from Neuberger Berman to rapidly grow the volume of loans originated for merchants.
- **Expand into New Verticals & Channels**: Moving beyond initial sectors into travel (e.g., cruise lines) and other high-ticket retail segments, including omnichannel (online and in-store) experiences.
- **Deepen Merchant Enablement**: Building out product features that give merchants more control and data, such as configurable offers and seamless repurchase tools to increase customer lifetime value.
- **Build the Institutional Funding Infrastructure**: Hiring senior capital markets talent to manage and expand the debt capital stack, similar to the strategy used by successful lenders like Divvy.

## Why Work Here
- **High Growth Stage**: With 161% headcount growth YoY and 25 active job postings, the company is in a rapid scaling phase, offering significant opportunities for career advancement and impact [linkedin.com](https://www.linkedin.com/company/claritypay).
- **Strong Financial Foundation**: Having achieved profitability and secured a massive capital partnership, the company is on a stable financial footing, reducing typical startup risk.
- **Experienced, Top-Tier Team**: Joining a team with deep expertise from Goldman Sachs, Citi, Divvy, and LendingPoint provides a steep learning curve and mentorship opportunities [linkedin.com](https://www.linkedin.com/company/claritypay).
- **Purpose-Driven Mission**: The focus on empowering merchants and providing transparent, fair credit to consumers offers a sense of purpose beyond just building software.
- **Office Policy**: Based in New York, NY (132 W 31st St). The company also has a presence in India [linkedin.com](https://www.linkedin.com/company/claritypay). The specific remote/hybrid policy is not publicly detailed but is likely hybrid given the HQ and growth.
- **Culture**: Values are centered on “purpose, data, collaboration, and always learning” [claritypay.com](https://www.claritypay.com/about-us).
- **Open Roles**: Current openings include Director/VP-level roles in Risk, Fraud, Data Science, Engineering (Senior ML Engineer), Product, and Finance, indicating a focus on building out a robust, data-driven infrastructure [linkedin.com](https://www.linkedin.com/company/claritypay).

## Sources
1. [claritypay.com](https://www.claritypay.com/about-us)
2. [claritypay.com](https://www.claritypay.com/careers)
3. [claritypay.com](https://www.claritypay.com/)
4. [linkedin.com](https://www.linkedin.com/company/claritypay)
5. [cbinsights.com](https://www.cbinsights.com/company/claritypay)

## Other roles at ClarityPay

- [Corporate Counsel](https://feeny.ai/job/corporate-counsel-claritypay-new-york-bn25a88dvzbs) — New York, NY
- [Product Counsel](https://feeny.ai/job/product-counsel-claritypay-new-york-vwc3yafmxnpa) — New York, NY
- [Product Counsel](https://feeny.ai/job/product-counsel-claritypay-minneapolis-jk58j9y96t64) — Minneapolis, MN
- [Director of Pricing](https://feeny.ai/job/director-of-pricing-claritypay-atlanta-66aqb1wa601t) — Atlanta, GA
- [Treasurer](https://feeny.ai/job/treasurer-claritypay-atlanta-3qdms998y953) — Atlanta, GA
- [Director of Client Success](https://feeny.ai/job/director-of-client-success-claritypay-new-york-g3qas39qzcx5) — New York, NY
- [Merchant Support Specialist](https://feeny.ai/job/merchant-support-specialist-claritypay-bengaluru-kft0bvkrcqfg) — Bengaluru, India
- [Manager, Merchant Support](https://feeny.ai/job/manager-merchant-support-claritypay-bengaluru-450trgh3tv02) — Bengaluru, India
- [Head of Modeling](https://feeny.ai/job/head-of-modeling-claritypay-atlanta-7g86x6e9zth5) — Atlanta, GA
- [Director of Client Success](https://feeny.ai/job/director-of-client-success-claritypay-new-york-mvkhpjh7yjfv) — New York, NY