---
title: 'Risk Analyst at ClarityPay'
canonical: 'https://feeny.ai/job/risk-analyst-claritypay-atlanta-5pg5xxe9qvjw'
type: 'job'
last_seen: '2026-09-10'
---

# Risk Analyst at ClarityPay

- **Company:** ClarityPay
- **Location:** Atlanta, GA
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2026-04-16
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/claritypay/48c6680d-f2bb-4756-b8b7-1662fea7f729

## Job description

Locations: Atlanta

## 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. At ClarityPay, we Solve What Matters, Build With Purpose, and Win With Trust. We are a modern financial technology leader dedicated to solving credit's toughest challenges by empowering merchants across retail, home, health, and auto to grow faster, while helping their customers get approved with confidence. As a company that leverages cutting-edge analytics to drive this mission, your role as a Risk Analyst is central to our success, ensuring we manage risk strategically while maximizing growth. As a Risk Analyst at ClarityPay, you will leverage your analytic, economic, and technical skills to innovate and execute solutions. Your primary focus will be on the strategic management and optimization of credit risk and portfolio health.

## What You'll Do

- Performing financial and economic data experimentation and leveraging advanced data analytics to derive critical insights.
- Review capital markets, dissect complex data, and translate it into actionable strategies to help optimize credit underwriting.
- Determining and optimizing merchant limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement.
- Optimizing ClarityPay’s portfolio, managing risk and ensuring the health and profitability of credit offerings.
- Designing and implementing inclusive credit strategies and economic credit models by utilizing alternative data and expanding credit to more users while managing the risk strategically.
- Partnering with Machine Learning and Engineering teams to build effective credit risk capabilities.
- Collaborate with Product teams to develop new products and features, the Merchant Pricing Team to value different Merchants, and the Finance team to facilitate discussions with debt and equity investors.

## Qualifications

## Basic Qualifications

- 1–3 years of experience in an analytically-driven role (analytics, consulting, finance, etc.).
- Strong working knowledge of SQL and/or experience with Python or R.
- Practical and theoretical knowledge of A/B testing.
- Bachelor's or Master's degree in a quantitatively rigorous subject area (statistics, math, finance, economics, or a related field).
- Strong interpersonal skills and ability to work cross-functionally and influence both technical and non-technical audiences.
- Ability to think creatively and critically and thrive in a fast-paced, dynamic, and often ambiguous work environment.

## Preferred Qualifications

- Passion to redefine the lending and financial industry for the better.
- Experience utilizing and developing within cloud data warehouse tools like Snowflake or BigQuery or similar services.

H1B transfer are available. No new sponsorships.

## 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