Director of Risk Management - Remote

Overview

As Director of Risk Management, you will lead credit strategy and portfolio performance oversight across ClarityPay’s Pay Over Time lending solutions, designing and executing scalable, data-driven risk frameworks.

In Short

• Own and evolve 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 implementation of credit policies and early warning frameworks.
• Ensure strong regulatory and governance standards.
• Represent the Risk function in cross-functional initiatives.
• Lead, mentor, and grow a team of analysts and risk managers.

Requirements

• Bachelor's degree in a quantitative field; advanced degree a plus.
• 8+ years of experience in consumer or SMB credit risk strategy.
• Experience building and managing credit policies for installment loans or revolving credit.
• Proficiency in SQL and data analytics; familiarity with Python is a plus.
• Familiarity with data science model development life cycle.
• Ability to translate data into strategic decisions.
• Familiarity with U.S. consumer credit regulations.

Benefits

• Competitive compensation and equity package.
• Comprehensive benefits (medical, dental, vision).
• Collaborative, fast-paced team with strong product orientation.
• Opportunities to grow and shape the future of consumer finance.
• 401(k) program.