ClarityPay
Fintech
DirectorofRiskManagement
“Director of Risk Management at ClarityPay. Skills: Credit risk strategy, Portfolio performance oversight, Risk frameworks, Underwriting, Fraud management, Repayment strategies, Credit policies, Data science model development life cycle. Lead credit strategy and portfolio performance oversight across ClarityPay’s Pay Over Time lending solutions. Own the design and execution of scalable, data-driven risk frameworks”
What You'll Achieve.
Deliver better outcomes, every time; Simplify the experience; Fuel growth while protecting our capital; Balance innovation with rigor and compliance; Develop and monitor risk KPIs across products and merchant portfolios
Industry & Context.
Translate data into strategic decisions
What They're Looking For.
Must Have
Bachelor's degree in a quantitative field (e. g. , Economics, Finance, Statistics, Engineering), 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, 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. )
Nice to Have
advanced degree a plus, data familiarity with Python or business intelligence tools a plus, 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 You'll Do.
Lead credit strategy and portfolio performance oversight across ClarityPay’s Pay Over Time lending solutions
Own the design and execution of scalable
data-driven risk frameworks
Strengthen underwriting
and repayment strategies
Own and evolve the risk strategy across the lifecycle: onboarding
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 regulatory and governance standards
Represent the Risk function in cross-functional initiatives and leadership discussions
and grow a team of analysts and risk managers
How You'll Work.
Team & Collaboration
Collaborate cross-functionally with Data, Product, and Revenue teams; Represent the Risk function in cross-functional initiatives and leadership discussions
Communication Scope
Communicate clearly with exec stakeholders
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