Risk Analyst

Risk Analyst at ClarityPay

ClarityPay empowers 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.

ClarityPay values teamwork, clarity of purpose, and rigorous attention to data to drive action. We balance speed and excellence to deliver an exceptional customer experience.

At ClarityPay, we Solve What Matters, Build With Purpose, and Win With Trust. We are a modern financial technology leader dedicated to solving credit's toughest challenges by empowering merchants across retail, home, health, and auto to grow faster, while helping their customers get approved with confidence. As a company that leverages cutting-edge analytics to drive this mission, your role as a Risk Analyst is central to our success, ensuring we manage risk strategically while maximizing growth.

As a Risk Analyst at ClarityPay, you will leverage your analytic, economic, and technical skills to innovate and execute solutions. Your primary focus will be on the strategic management and optimization of credit risk and portfolio health.

What You'll Do

• Performing financial and economic data experimentation and leveraging advanced data analytics to derive critical insights.
• Review capital markets, dissect complex data, and translate it into actionable strategies to help optimize credit underwriting.
• Determining and optimizing merchant limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement.
• Optimizing ClarityPay's portfolio, managing risk and ensuring the health and profitability of credit offerings.
• Designing and implementing inclusive credit strategies and economic credit models by utilizing alternative data and expanding credit to more users while managing the risk strategically.
• Partnering with Machine Learning and Engineering teams to build effective credit risk capabilities.
• Collaborate with Product teams to develop new products and features, the Merchant Pricing Team to value different Merchants, and the Finance team to facilitate discussions with debt and equity investors.

Qualifications

Basic Qualifications

• 1–3 years of experience in an analytically-driven role (analytics, consulting, finance, etc.).
• Strong working knowledge of SQL and/or experience with Python or R.
• Practical and theoretical knowledge of A/B testing.
• Bachelor's or Master's degree in a quantitatively rigorous subject area (statistics, math, finance, economics, or a related field).
• Strong interpersonal skills and ability to work cross-functionally and influence both technical and non-technical audiences.
• Ability to think creatively and critically and thrive in a fast-paced, dynamic, and often ambiguous work environment.

Preferred Qualifications

• Passion to redefine the lending and financial industry for the better.
• Experience utilizing and developing within cloud data warehouse tools like Snowflake or BigQuery or similar services.

H1B transfer are available. No new sponsorships.