ClarityPay
Director of Portfolio Risk
Atlanta · Director
Sponsorship not specifiedDetected 220 days ago
LeadershipUnderwriting
About the role
- The Director of Portfolio Risk holds a critical, high-impact leadership position responsible for the holistic health and strategic direction of the ClarityPay loan portfolio.
- You will be instrumental in defining credit strategy, ensuring compliance, and optimizing the mechanics of customer-friendly features like "seamless repurchase."
Responsibilities
- Portfolio Oversight & Optimization: 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.
- Strategic Credit Risk Management: Own and drive the overarching credit risk strategy and analytical frameworks.
- Executive Reporting & Insight Generation: 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.
- Merchant and Channel Risk Analysis: 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.
- Proactive & Transformative Leadership: Demonstrated leadership experience in an evolving, fast-paced FinTech or lending market, with a proven ability to define strategy, manage cross-functional priorities, and lead through ambiguity.
- Design and implement sophisticated monitoring systems to track, forecast, and manage risk across all critical dimensions: merchant, customer segment, product type, and vintage.
- 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.
Requirements
- This role demands proactive leadership, deep analytical expertise, and the ability to translate complex credit trends into clear, actionable strategies for the executive team.
Benefits
- A strong commitment to a people first approach, ensuring credit decisions are made with ethical consideration for the customer's long-term financial health alongside the business interests.
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.
- 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.
- About the Role
- You will partner directly with our bank partner, DR Bank, to rigorously monitor the performance of all issued loans, balancing sustainable growth targets with robust risk mitigation.
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This listing is sourced directly from ClarityPay's careers page and normalized into a canonical job model.