---
title: 'Director of Risk Management at ClarityPay'
canonical: 'https://feeny.ai/job/director-of-risk-management-claritypay-atlanta-q14evspcebsa'
type: 'job'
last_seen: '2026-09-10'
---

# Director of Risk Management at ClarityPay

- **Company:** ClarityPay
- **Location:** Atlanta, GA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-04-29
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/claritypay/1096dc3d-a659-44c9-9594-5743214dfd92

## Job description

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 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.

## 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