---
title: 'Senior Machine Learning Engineer at ClarityPay'
canonical: 'https://feeny.ai/job/senior-machine-learning-engineer-claritypay-new-york-htp1rtnvk81y'
type: 'job'
last_seen: '2026-09-10'
---

# Senior Machine Learning Engineer at ClarityPay

- **Company:** ClarityPay
- **Location:** New York, NY
- **Employment:** full-time
- **Work type:** hybrid
- **Posted:** 2025-12-15
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/claritypay/60c3638d-2b11-4daa-a79c-f1951d49596d

## Job description

About Us: 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: ClarityPay is undertaking transformative investments in machine learning products, algorithms, and platforms. We are building a team of technically proficient, hands-on engineers who are passionate about solving complex optimization problems across customer complaints, collections, and offer optimization. This role is for the engineer who looks at a "collections process" and sees a Reinforcement Learning environment. You will engage directly with the problem space—performing deep case reviews to understand the "why" and "what"—and develop rigorous hypotheses to optimize outcomes. You will move beyond simple predictive models to build transformative algorithmic solutions using Bayesian Black Box optimization, Contextual Bandits, and Deep Q-Networks (DQN/DDQN). The problem space here is ripe for innovation. Your curiosity, drive, and aptitude will determine the ceiling of your impact. You will have the opportunity to expand into leadership responsibilities, including technical mentorship and management of offshore engineering teams. Key Responsibilities:

- End-to-End Problem Solving: Own the full lifecycle of the solution. You will dive deep into case reviews to formulate hypotheses, design rigorous A/B tests to validate them, and automate the scaling of successful strategies.
- Advanced Algorithmic Development: Develop and deploy inferential solutions that optimize management levers. You will implement and tune advanced techniques including Contextual Bandits, Deep Q-Networks (DQN), Double DQN, and Bayesian optimization to infer causal effects and maximize long-term reward.
- Engineering & Reliability: Build the "pipes" and the "brains." You will create robust data pipelines, develop inferential models, and ensure solution reliability in production. You will champion scientific rigor in data-driven decision-making.
- Continuous Optimization: Continuously optimize the quality of our machine learning models for incremental lift estimation and causal inference, ensuring we are making the most efficient use of resources.
- Technical Leadership: As a senior member of the team, you will help define our engineering standards, evaluate and adopt new technologies, and provide technical leadership/management to offshore development teams to scale our delivery velocity.

## What We're Looking For

- Experience: 1-5+ years of industry machine learning experience with excellent engineering skills.
- RL & Optimization Expertise: Strong theoretical understanding and practical experience with Reinforcement Learning (RL), Bandit algorithms (Thompson Sampling, UCB), and Bayesian inference. You know when to use a simple regression and when to deploy a DDQN.
- Strong Programming: Expertise in Python and familiarity with ML frameworks such as TensorFlow, PyTorch, Boosted Trees, and Scikit-Learn. Experience with SQL and data manipulation is required.
- Cloud Native: Experience with ML cloud platforms such as AWS Sagemaker, Databricks, or similar. You are comfortable building your own deployment pipelines.
- Scientific Rigor: You have a strong background in experiment design, A/B testing, and causal inference. You understand that a model is only as good as the experiment that validates it.
- Curiosity & Grit: You are willing to look at "messy" operational data (complaints, collections logs) and find the mathematical structure within it.

What Sets Us Apart:

- Uncapped Impact: You will be a catalyst for our healthy and growing business, directly influencing the bottom line by optimizing our core operational engines.
- Innovation: We are building a product that reimagines the way money moves, and we are doing it by applying cutting-edge ML to problems that competitors solve with spreadsheets.
- Growth: We believe in empowering our people to be successful. This role offers a clear path to leadership and the chance to shape the technical direction of the company.

What We Offer:

- Competitive compensation and equity package.
- Comprehensive benefits (medical, dental, vision).
- Collaborative office culture with a strong product mindset.
- Opportunities to grow, lead, and shape the future of consumer finance.
- 401k program

Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality. Salary Range: $125K - $150K per year, based on experience and qualifications. Please email mj@claritypay.com if you are interested along with a resume. ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.

## 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
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