---
title: 'VP Product - Merchant Enablement at ClarityPay'
canonical: 'https://feeny.ai/job/vp-product-merchant-enablement-claritypay-new-york-1r4gdb9w3tmw'
type: 'job'
last_seen: '2026-09-10'
---

# VP Product - Merchant Enablement at ClarityPay

- **Company:** ClarityPay
- **Location:** New York, NY
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-01-20
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/claritypay/5f5fcb88-51c5-44e4-b3e6-28a96b742155

## 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.

## Role Overview

We are seeking a VP / Director of Product – Merchant Integration to own the end-to-end product strategy and execution for how merchants and platform partners integrate with our embedded financing solutions. This role is responsible for deeply understanding merchant sales motions, checkout workflows, and operational processes, and translating those needs into scalable integration products that accelerate adoption and revenue. You will define the integration vision, design MVPs, prioritize future enhancements, and partner cross-functionally to deliver best-in-class merchant onboarding and activation experiences across our point-of-sale financing platform.

## Key Responsibilities

Merchant-Centric Product Strategy

- Own the product strategy and roadmap for merchant and platform integrations across embedded financing offerings.
- Develop a deep understanding of merchant business models, sales cycles, checkout flows, and operational constraints.
- Define segmentation strategies (SMB vs enterprise, direct merchants vs platforms) and tailor integration approaches accordingly.

Integration Solutions & Product Design

- Design integration solutions across multiple channels including hosted checkout, APIs, SDKs, plugins, and platform integrations.
- Define MVP scope for new integration products with a clear path to scalable future enhancements.
- Balance speed-to-market with long-term platform scalability and reliability.

Sales & Pre-Sales Partnership

- Partner closely with Sales, Pre-Sales, and Partnerships teams to support merchant evaluations and deal structuring.
- Translate merchant requirements into clear product capabilities, limitations, and implementation approaches.
- Help shape commercial conversations by aligning product capabilities with merchant needs and sales strategy.

Execution & Delivery

- Own product requirements, prioritization, and delivery in partnership with Engineering.
- Ensure integrations are designed with strong documentation, developer experience, and operational readiness.
- Drive alignment across Product, Engineering, Risk, Compliance, Operations, and Merchant Enablement teams.

Platform Evolution & Optimization

- Use merchant feedback, integration data, and performance metrics to inform roadmap decisions.
- Identify opportunities to reduce time-to-integrate, improve conversion, and increase merchant adoption.
- Lead continuous improvement of integration tooling, configuration, and self-serve capabilities.

Leadership & Influence

- Build, mentor, and lead a team of product managers focused on merchant and platform integrations (scope dependent).
- Serve as a senior voice for merchant experience and integration strategy across the company.
- Communicate product vision, trade-offs, and progress clearly to executive leadership.

## Qualifications

Required

- 10+ years of experience in product management within fintech, payments, lending, or embedded finance.
- 5+ years owning integration-heavy products such as APIs, platforms, or merchant-facing solutions.
- Strong understanding of merchant checkout, POS, or platform-based commerce workflows.
- Proven experience designing MVPs and scaling products based on real merchant adoption.
- Demonstrated ability to partner effectively with Sales, Engineering, and Operations teams.

## Preferred

- Experience in POS financing, BNPL, or consumer installment lending.
- Experience working with platform partners, marketplaces, or e-commerce ecosystems.
- Strong grasp of API-first product design and developer experience best practices.
- Experience leading teams in high-growth fintech environments.

What Success Looks Like

- Merchants and platforms integrate faster with fewer custom builds.
- Sales cycles shorten due to clear, scalable integration options.
- Integration products support both near-term revenue and long-term platform growth.
- Merchant satisfaction and activation rates increase across segments.

No Visa Sponsorship

## 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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- [Director of Client Success](https://feeny.ai/job/director-of-client-success-claritypay-new-york-mvkhpjh7yjfv) — New York, NY