Director of FP&A

About the Company

ClarityPay is a fast-growing asset-based finance platform built on modern fintech infrastructure. Having recently closed our Series A, we are scaling our operations, expanding our product suite, and deepening relationships with institutional capital partners.

Responsibilities

• Partner with the Executive team to develop long-term financial models, strategic plans, and portfolio performance projections
• Lead annual budgeting and rolling forecasting processes across the company
• Build and own a lever-based IRR model for the loan portfolio, incorporating yield, cost of funds, and credit losses
• Model warehouse facility utilization and economics, including advance rates and facility costs
• Run sensitivity and scenario analysis to guide pricing, underwriting, and capital deployment
• Develop waterfall models and portfolio seasoning curves for facility compliance and investor reporting
• Prepare board decks, investor updates, and lender reporting packages
• Support future fundraising processes including Series B, credit facilities, and securitizations
• Partner with data and engineering teams to build scalable reporting infrastructure and BI tooling
• Hire and develop a high-performing FP&A function

Requirements

• 8–12 years of experience in structured finance, specialty finance, credit investing, or asset-based lending
• Hands-on experience building lever-based IRR models for loan portfolios
• Deep familiarity with warehouse facility economics (advance rates, utilization, spread)
• Ability to model waterfall structures, portfolio seasoning, and prepayment/default sensitivities
• Strong Excel and financial modeling skills
• Experience supporting capital raises or debt financing
• Proven ability to operate independently in a fast-paced startup environment
• Bachelor's degree in Finance, Economics, Accounting, or a related field

Preferred Qualifications

• MBA or CFA
• Experience with BI tools