ClarityPay ยท 1 month ago
Director of Portfolio Risk
Atlanta
Full-time
Hybrid
Mid, Senior Level
7+ years expClarityPay is a fast-growing fintech company that empowers enterprise merchants with adaptive pay-over-time solutions. The Director of Portfolio Risk is responsible for overseeing the loan portfolio, managing risk, and ensuring compliance while providing strategic insights to executive leadership.
Financial Services
Responsibilities
Oversee the entire portfolio. Design and implement sophisticated monitoring systems to track, forecast, and manage risk across all critical dimensions: merchant, customer segment, product type, and vintage
Own and drive the overarching credit risk strategy and analytical frameworks. Specifically, ensure our high-velocity instant approval and underwriting processes utilize advanced models to accurately assess a customer's ability to pay while minimizing unnecessary friction or negative credit impacts
Deliver high-quality, critical insights to executive leadership and the Board on portfolio profitability, emerging risk trends, and opportunities for growth, specifically managing risk within our substantial credit issuance volume
Act as a key stakeholder to ensure end-to-end compliance throughout the underwriting and servicing lifecycle, adhering to regulatory requirements (e.g., Truth in Lending disclosures) and internal risk policies
Conduct granular analysis on the performance dynamics of specific merchant categories (e.g., MedSpa, Retail, Travel) to dynamically adjust credit limit assignment, approval criteria, and exposure limits to optimize expected return
Qualification
Required
Demonstrated leadership experience in an evolving, fast-paced FinTech or lending market
Proven ability to define strategy, manage cross-functional priorities, and lead through ambiguity
Meticulous attention to detail in assessing credit risk
Deep analytical curiosity
Mastery of reviewing and validating complex model documentation
Strong commitment to a people first approach
7+ years of progressive, proven experience in the Analytics, Risk, or Finance domain
Specific expertise in short-to-mid duration installment loans, point-of-sale financing, or BNPL products
Company
ClarityPay
ClarityPay is a financial services technology company that offers installment loans to consumers at the point of sale.
11-50 employees
H1B Sponsorship
ClarityPay has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (3)
2024 (2)
Funding
Current Stage
Early StageTotal Funding
unknownKey Investors
TTV CapitalOutpost Ventures
2025-07-30Series Unknown
2024-06-01Series Unknown
Recent News
Payments Dive
2025-11-01
2025-10-02
2025-07-31
Company data provided by crunchbase