Director / VP Head of Merchant Underwriting

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.

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. Your primary objective is to mitigate the counterparty risk inherent in our business model—specifically the risk of unrecoverable funds due to merchant insolvency or operational failure. This is a highly quantitative and strategic role; you will leverage advanced financial and statistical modeling to quantify risks and devise creative mitigation strategies—such as holdbacks, delayed settlements, or covenants—that allow us to say "yes" to business while protecting our downside. You will work cross-functionally with Commercial, Legal, and Credit leadership to structure deals that balance commercial success with rigorous risk control.

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• Competitive compensation and equity package.

• Comprehensive benefits (medical, dental, vision).

• Collaborative office culture with a strong product mindset.

• Opportunities to grow, lead, and shape the future of consumer finance.

• 401k program

Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality.

Salary Range: $175K - $200K per year, based on experience and qualifications.

Please email mj@claritypay.com if you are interested along with a resume.

ClarityPay is an equal opportunity employer. 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.