ClarityPay

Director / VP Head of Merchant Underwriting

New York City · Vp

Sponsorship not specified$175k-$200kDetected 220 days ago

PythonSQLData AnalysisLLMsStatisticsFinancial ModelingLeadershipCommunicationUnderwritingRisk Modeling

About the role

As the VP/Director of Merchant Underwriting, you will act as the guardian of ClarityPay's financial integrity, managing the critical intersection of commercial growth and merchant acquiring risk.
In this role, you will define how we assess, onboard, and monitor enterprise merchants, ensuring that our rapid expansion is built on a foundation of prudent credit and fraud risk management.
You will be responsible for underwriting merchants specifically for non-delivery, reputational, settlement, chargeback, and dispute exposure.

Due Diligence & Investigation: Lead the engagement with merchant teams to verify financial data, validate business claims, and quantify operational risks.
You will drive the due diligence process to uncover hidden liabilities before they become ClarityPay's problem.
You will build the models that quantify our exposure and determine the appropriate credit limits and monitoring triggers for each partner.
You will lead nuanced, high-stakes conversations to align stakeholders, ensuring we support commercial targets without compromising our risk principles.
Team Building: Build and mentor a high-performing underwriting team capable of scaling with the business. You will foster a culture of deep analytical rigor and commercial awareness.
you build the tools to analyze them.
Opportunities to grow, lead, and shape the future of consumer finance.
Lead the engagement with merchant teams to verify financial data, validate business claims, and quantify operational risks.
Own the underwriting framework for merchant acquiring risk.
Devise and implement ongoing monitoring mechanisms.

Technical & Analytical Proficiency: You are hands-on with data.
You have proficiency in SQL for data extraction and querying, and experience using Python for statistical risk modeling and financial analysis.
Financial Acumen: You are comfortable tearing apart financial statements (P&L, Balance Sheet, Cash Flow) to assess liquidity and solvency.
You can identify red flags in a merchant's books that others might miss.
Structured Finance Knowledge: Proven experience in creating and enforcing covenants, collateral requirements, and risk mitigation solutions.
Commercial Fluency: You have a track record of balancing risk vs. reward.
You can explain complex risk concepts to Sales leaders and merchants in a way that is collaborative rather than obstructive.
You can hold your ground on risk decisions while maintaining strong professional relationships.
[Desired] AI-Driven Efficiency: You have experience leveraging Generative AI tools to scale analysis.

Competitive compensation and equity package.
Comprehensive benefits (medical, dental, vision).
You will design policies to assess a merchant's financial health and stability, ensuring we are protected against chargebacks and disputes in scenarios where a merchant may go out of business or become insolvent.

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.
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

This listing is sourced directly from ClarityPay's careers page and normalized into a canonical job model.