ClarityPay
Director of Portfolio Risk
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Director of Portfolio Risk
role at
ClarityPay .
About Us We help businesses and their customers with precision, speed, and intelligence. We combine expertise with advanced technology to simplify the experience and deliver better outcomes.
ClarityPay empowers enterprise merchants with smarter, adaptive pay-over-time solutions. From point-of-sale financing to “Buy Now, Pay Later” programs and loyalty-integrated offers, we build configurable credit tools that help businesses serve more customers.
We value teamwork, clarity of purpose, and rigorous data analysis to drive action. We balance speed and excellence to deliver an exceptional customer experience.
About The Role The Director of Portfolio Risk holds a critical, high-impact leadership position responsible for the holistic health and strategic direction of ClarityPay’s loan portfolio. You will partner with our bank partner, DR Bank, to rigorously monitor loan performance, balancing growth targets with risk mitigation.
Key Responsibilities
Portfolio Oversight & Optimization: Oversee the entire portfolio and design monitoring systems to track, forecast, and manage risk across merchant, customer segment, product type, and vintage.
Strategic Credit Risk Management: Own and drive the credit risk strategy and analytical frameworks, ensuring instant approval and underwriting processes use advanced models for accurate assessment while minimizing friction.
Executive Reporting & Insight Generation: Deliver insights to executive leadership and the Board on profitability, emerging risk trends, and opportunities for growth.
Regulatory & Policy Compliance: Ensure end-to-end compliance throughout underwriting and servicing, adhering to regulatory requirements such as Truth in Lending disclosures and internal risk policies.
Merchant and Channel Risk Analysis: Analyze performance dynamics of specific merchant categories to adjust credit limits, approval criteria, and exposure limits for optimal return.
Candidate Profile
Proactive & Transformative Leadership: Demonstrated leadership in a fast-paced fintech or lending market, defining strategy, managing cross-functional priorities, and leading through ambiguity.
Technical Expertise: Meticulous attention to detail in credit risk assessment, strong analytical curiosity, and mastery of validating complex model documentation.
Customer-Centric Risk Philosophy: Commitment to a people-first approach, ensuring ethical credit decisions for long-term financial health.
Experience: 7+ years in Analytics, Risk, or Finance, with expertise in short-to-mid duration installment loans, point-of-sale financing, or BNPL products.
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Director of Portfolio Risk
role at
ClarityPay .
About Us We help businesses and their customers with precision, speed, and intelligence. We combine expertise with advanced technology to simplify the experience and deliver better outcomes.
ClarityPay empowers enterprise merchants with smarter, adaptive pay-over-time solutions. From point-of-sale financing to “Buy Now, Pay Later” programs and loyalty-integrated offers, we build configurable credit tools that help businesses serve more customers.
We value teamwork, clarity of purpose, and rigorous data analysis to drive action. We balance speed and excellence to deliver an exceptional customer experience.
About The Role The Director of Portfolio Risk holds a critical, high-impact leadership position responsible for the holistic health and strategic direction of ClarityPay’s loan portfolio. You will partner with our bank partner, DR Bank, to rigorously monitor loan performance, balancing growth targets with risk mitigation.
Key Responsibilities
Portfolio Oversight & Optimization: Oversee the entire portfolio and design monitoring systems to track, forecast, and manage risk across merchant, customer segment, product type, and vintage.
Strategic Credit Risk Management: Own and drive the credit risk strategy and analytical frameworks, ensuring instant approval and underwriting processes use advanced models for accurate assessment while minimizing friction.
Executive Reporting & Insight Generation: Deliver insights to executive leadership and the Board on profitability, emerging risk trends, and opportunities for growth.
Regulatory & Policy Compliance: Ensure end-to-end compliance throughout underwriting and servicing, adhering to regulatory requirements such as Truth in Lending disclosures and internal risk policies.
Merchant and Channel Risk Analysis: Analyze performance dynamics of specific merchant categories to adjust credit limits, approval criteria, and exposure limits for optimal return.
Candidate Profile
Proactive & Transformative Leadership: Demonstrated leadership in a fast-paced fintech or lending market, defining strategy, managing cross-functional priorities, and leading through ambiguity.
Technical Expertise: Meticulous attention to detail in credit risk assessment, strong analytical curiosity, and mastery of validating complex model documentation.
Customer-Centric Risk Philosophy: Commitment to a people-first approach, ensuring ethical credit decisions for long-term financial health.
Experience: 7+ years in Analytics, Risk, or Finance, with expertise in short-to-mid duration installment loans, point-of-sale financing, or BNPL products.
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