ClarityPay

Role Description We are now hiring our first Head of Modeling to own and elevate the decision science that sits at the core of the business. This is a rare opportunity to stand up a decision-science function from the ground up at a company that already has real volume, real data, and real momentum. You'll set the technical vision, hire and grow the team, put in place the standards, infrastructure, and governance that everything downstream will depend on. This is a leadership role that demands deep technical credibility. What you'll own - Build and lead the internal modeling team — define the team structure and operating model, hire your first internal modelers, and grow a high-caliber decision-science organization. - End-to-end modeling across the credit and fraud lifecycle — application/underwriting scoring, behavioral and account-management models, line and limit assignment, risk-based pricing, loss forecasting, and collections/recovery optimization. - Real-time decisioning at the point of sale — models and decision strategies that approve or decline in milliseconds, balancing approval rates, loss, fraud, and customer experience. - Fraud and identity risk — first-party, third-party, synthetic identity, and account-takeover risk, in close partnership with the fraud and operations teams. - Merchant- and channel-level risk — modeling and monitoring risk that originates from the merchant side of the POS relationship. - Model governance and risk management — documentation, independent-style validation practices, ongoing monitoring (PSI/CSI, stability, calibration), and a framework aligned to model-risk-management expectations (e.g., SR 11-7). - Fair lending and regulatory rigor — disparate-impact and fair-lending testing, adverse-action reason codes and explainability, and partnership with Legal/Compliance on ECOA/Reg B and related obligations. - Data and infrastructure for modeling — partnering with Engineering and Data to build feature pipelines, deployment paths, and monitoring so models ship reliably and are maintainable over time. What you'll build Beyond individual models, you'll establish the foundation: a talented internal team and operating model, shared standards for model development and documentation, reproducible pipelines, a validation and monitoring discipline, and a governance posture that holds up to investors, funding partners, auditors, and regulators. Qualifications - Substantial experience (typically 8+ years) building credit risk and/or decision-science models in lending, fintech, or banking, with meaningful time in consumer credit. - A strong hands-on modeling background across both traditional techniques (logistic regression, scorecards) and modern ML (gradient-boosted trees such as XGBoost/LightGBM/GNN). - Strong Python and SQL, and fluency with the modern modeling and data stack. - Experience with model governance, validation, and monitoring, and an instinct for documentation and reproducibility. - Familiarity with the fair-lending and regulatory landscape for consumer lending (ECOA/Reg B, adverse action, model explainability, disparate-impact considerations). - A track record of building and scaling a modeling or analytics team — hiring strong modelers, developing people, and setting technical standards and culture. - The technical depth to set direction and evaluate others' work — credible enough to assess inherited models, make build-vs-retain decisions, and dive into the details when it matters. - Ability to communicate complex modeling concepts clearly to executives, the board, and non-technical partners. Requirements - Direct experience in POS lending, BNPL, installment, or unsecured consumer credit. - Fraud modeling experience (first-party, third-party, synthetic identity). - MLOps / production deployment experience — feature stores, model serving, monitoring at scale. - Exposure to capital markets or funding partners, where loss models inform facility terms and reserves. - Advanced degree in a quantitative field (statistics, economics, math, computer science, or similar). Benefits - Competitive fixed and variable compensation package. - Comprehensive benefits (medical, dental, vision). - Collaborative office culture with a strong focus on clients and their customers. - Opportunities to grow, lead, and shape the future of consumer finance. - 401k program. Role Details - Preference for Atlanta or New York City. - The chance to build and lead ClarityPay's decision-science function from the ground up. - Direct impact on the core economics and trajectory of a rapidly scaling business. - Preference for Atlanta or New York City, but remote locations will be considered. - This role will report to the Chief Risk Officer. Ready to redefine point-of-sale financing with us? Apply today and join a passionate team committed to making financial clarity a reality. Salary Range: $150,000 to $200,000, commensurate with experience and qualifications. 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 status, marital status, or any other legally protected status.

About ClarityPay: 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: As Director of Risk Management , you will lead credit strategy and portfolio performance oversight across ClarityPay’s Pay Over Time lending solutions. You’ll own the design and execution of scalable, data-driven risk frameworks that fuel growth while protecting our capital. You’ll collaborate cross-functionally with Data, Product, and Revenue teams to strengthen our underwriting, exposure, fraud, and repayment strategies—balancing innovation with rigor and compliance. This is a senior, high-impact role well-suited for a strategic thinker with deep credit risk experience in fintech or lending. In this role, you will… Own and evolve the risk strategy across the lifecycle: onboarding, limit assignment, 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 strong regulatory and governance standards, working closely with legal and compliance leads Represent the Risk function in cross-functional initiatives and leadership discussions Lead, mentor, and grow a team of analysts and risk managers Qualifications: Competitive compensation and equity package Comprehensive benefits (medical, dental, vision) Collaborative, fast-paced team with strong product and growth orientation Opportunities to grow, lead, and shape the future of consumer finance 401(k) program Role Details: We are a remote-first team, with a preference for candidates based in the U.S. Hybrid options available for those located in NYC or Atlanta This role reports to the Chief Credit Officer Salary: $120,000 to $200,000 Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality. ClarityPay is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.