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 modelspecifically 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 strategiessuch as holdbacks, delayed settlements, or covenantsthat 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.
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.
Director / VP Head of Merchant Underwriting • New York, NY, United States
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