Director of Risk Management jobs in United States
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ClarityPay · 2 months ago

Director of Risk Management

positionUnited States
timeFull-time
remoteRemote
senioritySenior Level, Lead/Staff
money$120K/yr - $200K/yr
date8+ years exp

ClarityPay is a fast-growing fintech that empowers enterprise merchants with adaptive pay-over-time solutions. The Director of Risk Management will lead credit strategy and portfolio performance oversight, designing scalable risk frameworks while collaborating with cross-functional teams to enhance underwriting and risk strategies.

Financial Services

Responsibilities

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

Qualification

Credit risk strategyData analyticsSQL proficiencyCredit policy managementConsumer credit regulationsPythonData science model developmentTeam managementStrategic decision makingCommunication skills

Required

Bachelor's degree in a quantitative field (e.g., Economics, Finance, Statistics, Engineering); advanced degree a plus
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 and data analytics; familiarity with Python or business intelligence tools a plus
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.)

Preferred

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

Benefits

Comprehensive benefits (medical, dental, vision)
401(k) program

Company

ClarityPay

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ClarityPay is a financial services technology company that offers installment loans to consumers at the point of sale.
dateFounded in 2024
location
New York, New York, USA
people-size11-50 employees
web-link
https://www.claritypay.com

Funding

Current Stage
Early Stage
Total Funding
unknown
Key Investors
TTV CapitalOutpost Ventures
2025-07-30Series Unknown
2024-06-01Series Unknown

Recent News

Payments Dive
Executive Shuffle: Fiserv, Mastercard and DailyPay
2025-11-01
PR Newswire
ClarityPay Taps Goldman, AmEx Vet MJ Panda as COO to Scale Next Gen Credit Solutions
2025-10-02
citybiz
ClarityPay Raises Growth Capital
2025-07-31
Company data provided by crunchbase