ClarityPay

ClarityPay

Head of Collections, Director/VP

New York City · Vp

Sponsorship not specified$175k-$225kDetected 114 days ago
DatabricksAWSMachine LearningLeadershipCollaboration

About the role

  • This is a high-impact leadership role responsible for defining the strategic roadmap for collections, scaling our operational capabilities, and pioneering the industry's shift toward AI-assisted, digital-first recovery models.
  • Reporting directly to the COO, you will sit at the intersection of Finance, Risk, Legal, and Engineering.

Responsibilities

  • Governance & Policy Ownership: Establish and own a heightened governance structure that delivers bank-grade compliance results.
  • You will author the internal policies and frameworks, including operating procedures and training documents, that dictate our collections practices, ensuring strict adherence to federal and state regulations (FDCPA, FCRA, UDAAP).
  • Strategic Legal Collaboration: Partner seamlessly with Legal and Compliance to translate rigid regulations into operational flexibility.
  • You will negotiate the "guardrails" that allow our ML and operational teams to test, optimize, and safely execute dynamic outreach strategies without introducing regulatory risk.
  • AI & Agentic Migration: Lead the migration from traditional agent-led collections toward AI agent-assisted interfaces.
  • You will shape the logic, persona, and compliance boundaries of our automated agents to drive digital engagement and surgical, automated nudges.
  • Performance Accountability: Own the "Net Recovery Rate" KPI.
  • You will be responsible for defining, measuring, and reporting on the instrumentation of all management levers and their causal effects on repayment behavior, communicating these metrics to the executive team and external capital partners.
  • You will translate collections goals into technical requirements for causal ML frameworks to optimize timing, channel, and messaging (e.g., "Stick vs.
  • Opportunities to grow, lead, and shape the future of consumer finance.

Requirements

  • Regulatory Fluency: Deep, practical expertise in consumer finance regulations.
  • You have successfully navigated bank-grade audits and know how to draft policies that satisfy both regulators and ambitious data scientists.
  • Technical Acumen: While you are a business leader, you are finance and data native.
  • Change Agent: You have successfully led digital transformation efforts, moving legacy operations into automated, digital-first environments while bringing Legal and Operations along for the journey.
  • Deep, practical expertise in consumer finance regulations.
  • You have successfully led digital transformation efforts, moving legacy operations into automated, digital-first environments while bringing Legal and Operations along for the journey.

Skills

  • Act as the primary business owner for the Decision Science and ML Engineering teams.
  • Carrot") for every customer interaction.

Compensation

  • $175K - $225K per year, based on experience and qualifications.
  • Please email mj@claritypay.com if you are interested along with a resume.

Benefits

  • Competitive compensation and equity package.
  • Comprehensive benefits (medical, dental, vision).
  • You will build the resilient, auditable workflows necessary to support a continuous-learning data environment, ensuring that every decision is traceable and defensible.
  • We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.

Company info

  • 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.
  • What We're Looking For
  • At ClarityPay, we don't treat Collections as a back-office burden

Equal opportunity

  • ClarityPay is an equal opportunity employer.
  • equal opportunity employer.
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This listing is sourced directly from ClarityPay's careers page and normalized into a canonical job model.