Director of Portfolio Risk

About the Company

ClarityPay is a fast-growing fintech empowering enterprise merchants with smarter, more adaptive pay-over-time solutions, including point-of-sale financing and "Buy Now, Pay Later" programs.

Responsibilities

• Oversee the entire portfolio and design sophisticated monitoring systems to track, forecast, and manage risk across merchant, customer segment, product type, and vintage.
• Own and drive the overarching credit risk strategy and analytical frameworks.
• Deliver high-quality insights to executive leadership and the Board on portfolio profitability and emerging risk trends.
• Ensure end-to-end compliance throughout the underwriting and servicing lifecycle, adhering to regulatory requirements.
• Conduct granular analysis on merchant category performance to dynamically adjust credit limits and approval criteria.

Requirements

• 7+ years of progressive experience in Analytics, Risk, or Finance.
• Specific expertise in short-to-mid duration installment loans, point-of-sale financing, or BNPL products.
• Demonstrated leadership experience in a fast-paced FinTech or lending environment.
• Mastery of reviewing and validating complex model documentation.
• Strong commitment to ethical, customer-centric credit decision-making.