C

ClarityPay

Point-of-sale lending platform for merchants

Relationship Manager - Merchant Support

Full-TimePosted on 10/15/2026
No salary listed
Mid
Bachelor's
Bengaluru, Karnataka, India
In PersonSupports U.S. East Coast business hours.
Customer Experience & SupportCustomer Support

About the job

Requirements
  • Two to three years of experience in merchant or customer support, payments, dispute or chargeback handling, or financial-services operations.
  • Working familiarity with consumer-finance and payments regulations, and experience operating within compliance guidelines.
  • Excellent written and verbal communication, with the ability to balance merchant and customer perspectives and de-escalate with empathy.
  • Proficiency with Microsoft Office and comfort working across customer relationship management and case-management, ticketing, and contact-center platforms.
  • Strong time management, attention to detail, and autonomy to own cases end-to-end.
  • A high school diploma or GED is required.
Responsibilities
  • Serve as the primary point of contact for escalated merchant and customer disputes and transaction-related concerns.
  • Investigate and analyze disputed transactions by gathering evidence from merchants, reviewing customer claims, and examining account and transaction history.
  • Reach fair, well-documented resolutions within defined service levels, applying company policy and applicable regulatory requirements.
  • Handle complex, sensitive, or high-value cases escalated from Level 1 support, exercising independent judgment within established guidelines.
  • Act as the liaison between merchants, customers, and internal stakeholders, keeping all parties informed throughout the dispute lifecycle.
  • Educate merchants and end customers on dispute processes, timelines, and outcomes.
  • Negotiate balanced outcomes that protect the customer experience while respecting merchant interests.
  • Triage and route cases by severity and complexity, and partner with Servicing, Risk, and Compliance on escalated or multi-party disputes.
  • Act as an escalation point and informal mentor for Level 1 agents, sharing guidance on difficult cases and decision-making.
  • Coordinate with internal teams to close cases requiring policy, system, or account corrections.
  • Maintain accurate, detailed case records, including metadata, findings, actions taken, and communications, in the case-management system.
  • Ensure every action complies with company policy and applicable federal and state regulations.
  • Monitor dispute trends and surface reporting and insights that help merchants and internal teams reduce future disputes.
  • Identify recurring root causes and recommend process, policy, or communication improvements.
  • Contribute to playbooks, standard operating procedures, and knowledge resources that improve the quality and consistency of dispute handling.
  • Support U.S. East Coast business hours from the Bangalore office.
Desired Qualifications
  • Experience in payments, buy now, pay later, fintech, banking, or business-process outsourcing and financial-services environments.
  • Strong understanding of the dispute-management lifecycle; familiarity with chargeback and transaction-dispute processes is a strong plus.
  • A bachelor's degree in business, finance, or a related field.
  • Bilingual ability; live support is provided in English and Spanish.
  • Hands-on experience with chargebacks or disputes.
  • Prior Level 2 or Level 3, escalation, or peer-mentoring experience in a support organization.

About the company

C

ClarityPay

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Website

ClarityPay provides point-of-sale financing that lets merchants offer pay-over-time options at checkout through a merchant-facing lending platform. It integrates with both online and in-store payments and offers plans ranging from four-week installments to 84-month revolving credit, with instant approvals powered by data beyond traditional credit scores. It differentiates itself by serving the full credit spectrum from subprime to super-prime and by allowing merchants to create branded credit lines while maintaining control over the customer experience and data. The goal is to help merchants in industries like retail, home improvement, travel, automotive, and medical services increase sales and conversion, while giving consumers flexible financing for larger purchases.

Company Size

51-200

Company Stage

N/A

Total Funding

N/A

Headquarters

New York City, New York

Founded

2024

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Simplify Jobs

Simplify's Take

What believers are saying

  • Neuberger Berman committed up to $1 billion of loan purchases on February 5, 2025.
  • ClarityPay reported profitability and a TTV Capital-led round on July 30, 2025.
  • New deals with JetBlue, Diamonds International, and Alternative Airlines broaden distribution in 2026.

What critics are saying

  • ClarityPay depends on institutional funding; Peter Ostrem joined June 22, 2026 to secure it.
  • JetBlue's 0% APR promo expires August 15, 2026, risking weaker conversion after launch.
  • A bad credit cycle or funding pullback would choke originations and threaten survival.

What makes ClarityPay unique

  • ClarityPay embeds white-label financing inside merchant loyalty, as JetBlue launched July 15, 2026.
  • It underwrites from subprime through super-prime, spanning six weeks to 84 months.
  • Merchants keep brand control and customer data, unlike stand-alone BNPL apps.

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Benefits

  • 401(k) Retirement Plan
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Remote Work Options
  • Paid Vacation
  • Paid Sick Leave
  • Paid Holidays
  • Hybrid Work Options
  • Wellness Program
  • Mental Health Support
  • Phone/Internet Stipend

Growth & Insights and Company News

Headcount

6 month growth

3%

1 year growth

1%

2 year growth

1%
PR Newswire
Jul 15th, 2026
JetBlue launches personalised pay later programme with TrueBlue points earning and 0% APR

JetBlue and ClarityPay have launched a pay later programme that integrates financing with the airline's loyalty system. The programme offers personalised instalment options ranging from six weeks to 48 months, with an introductory 0% APR on terms up to 12 months for eligible customers. Customers booking through JetBlue using ClarityPay will earn TrueBlue points on eligible purchases. Additional loyalty integrations, including incremental points earning, are expected later this year. The white-label platform allows JetBlue to maintain its branded customer experience whilst offering flexible financing across flights, insurance, and ancillary services. ClarityPay's broader underwriting approach extends financing access to more customers than traditional pay-later providers. The introductory 0% APR offer expires on 15 August 2026.

OMVenture
Jul 15th, 2026
Latest (worldwide) travel news.

Latest (worldwide) travel news. Read the latest worldwide travel news, right here, in peace. (If you can't see the travel news below, try turning off ad blockers). refresh. JetBlue and ClarityPay launch first personalized pay later program with TrueBlue(R) points earning. NEW YORK, July 15, 2026 /PRNewswire/ - JetBlue (Nasdaq: JBLU) and ClarityPay, a provider of tailored point-of-sale credit solutions, today announced a first-of-its-kind pay later program that unites embedded financing with an airline's loyalty and personalization strategies. The program launches with an introductory 0% APR on terms up to 12 months* and TrueBlue(R) points earning available at launch, plus incremental points opportunities on bookings with ClarityPay coming later this year. What the Program Delivers * Financing embedded in the journey: Customers preview personalized installment options from 6 weeks to 48 months while shopping. This transforms financing into a planning and conversion tool instead of just another payment method at checkout. * Introductory 0% APR on terms up to 12 months: Available to eligible JetBlue customers with transparent terms before commitment. * TrueBlue(R) loyalty integration: Customers who book through JetBlue using ClarityPay will continue to earn TrueBlue points on eligible purchases when a valid TrueBlue number is provided. Later this year, JetBlue and ClarityPay expect to introduce additional TrueBlue integrations, including the ability to earn incremental points when booking with ClarityPay. * White-label and cross-sell capabilities: The platform supports JetBlue's branded customer experience end-to-end through data and AI capabilities - offering integrated upgrades, ancillaries, financial products, and loyalty promotions without inserting a third-party brand into the relationship. * Embedded credit across flight booking ecosystem: Multi-merchant capabilities extend across JetBlue flights, insurance, and ancillary services, giving customers flexible financing options as they shop within the JetBlue ecosystem. * Broader underwriting, more access: ClarityPay's full-spectrum credit approach extends financing access across a wider range of customers than traditional pay-later providers. This ensures more JetBlue customers can benefit from flexible payment options. "We set out to give our customers a best-in-class pay later solution," said Ed Pouthier, Vice President of Loyalty and Personalization, JetBlue. "ClarityPay listened and delivered, tailoring the program to our needs and building a solution that increases value to our customers, grows sales, and expands our loyalty ecosystem." "JetBlue has one of the most powerful loyalty ecosystems, yet financing has historically lived outside that ecosystem," said Tom Carter, Chief Commercial Officer, ClarityPay. "ClarityPay was built to change that. Together with JetBlue, we are creating loyalty-linked travel financing that gives customers more flexibility while giving airlines greater control over commerce, loyalty, and customer experience." *The annual percentage rate (APR) represents the total cost of a loan as an annual rate. Introductory offer of 0% up to 12 months expires on 8/15/2026. ClarityPay Program loans may have APRs ranging from 0% to 36%, terms range from 6 weeks to 48 months and eligibility is determined by the program lender based on a variety of factors, including the applicant's credit and state of residence. See full program details at https://www.jetblue.com/promo/claritypay-promo-page. About JetBlue JetBlue is New York's Hometown Airline(R), and a leading carrier in Boston, Fort Lauderdale-Hollywood, Los Angeles, Orlando, and San Juan. JetBlue carries customers across the U.S., Caribbean, Latin America, Canada, and Europe. For more information and the best fares, visit jetblue.com. About ClarityPay ClarityPay provides merchants with tailored point-of-sale credit solutions to drive acquisition and loyalty while giving customers flexible pay-over-time options across the full credit spectrum. ClarityPay offers plans from 6 weeks to 84 months to cover purchases from $50 to $50,000 - while giving merchants more control over customer experience, data, and program branding. Built for omnichannel commerce, ClarityPay integrates via API or major commerce and lending platforms, serving merchants in retail, health and wellness, home improvement, auto repair, travel and services. Learn more at www.claritypay.com. SOURCE ClarityPay

Morningstar
Jun 22nd, 2026
Claritypay appoints Divvy Capital Markets exec Peter Ostrem to lead institutional funding strategy.

Claritypay appoints Divvy Capital Markets exec Peter Ostrem to lead institutional funding strategy. Provided by PR Newswire Jun 22, 2026, 5:45:00 AM CLARITYPAY APPOINTS DIVVY CAPITAL MARKETS EXEC PETER OSTREM TO LEAD INSTITUTIONAL FUNDING STRATEGY PR Newswire NEW YORK, June 22, 2026. Ostrem built the debt capital stack that took Divvy from $10 million to $1.2 billion in monthly originations and joins ClarityPay as the company accelerates toward its next phase of scaled growth. NEW YORK, June 22, 2026 /PRNewswire/ - ClarityPay, a provider of tailored point-of-sale credit solutions, today announced the appointment of Peter Ostrem as Head of Capital Markets. Ostrem brings over 25 years of experience in fintech capital markets and asset backed securitization, most recently leading Divvy's capital markets function through a period of rapid growth, scaling monthly originations from $10 million to $1.2 billion in three years prior to Divvy's acquisition by BILL for $2.5 billion. Ostrem will build and manage ClarityPay's institutional capital function, securing the asset buyers, warehouse lenders, and structured capital relationships that will underpin the company's origination growth. His near-term focus is establishing a core group of deeply trusted institutional partners, while laying the groundwork for ClarityPay's future access to rated debt markets, broadening the capital base and reducing funding costs as origination volume scales. "ClarityPay has something I've rarely seen: a merchant-integrated origination model that creates structurally lower acquisition costs than direct-to-borrower lending," said Ostrem. "My job is to build the capital stack that lets this business scale. We start with the right institutional partners and build toward the kind of rated capital markets access that unlocks the next order of magnitude of growth. I want to be 10 times bigger, and growing in a healthy way." "Peter has built institutional capital functions that supported origination growth most companies never reach. We are ready to build that kind of funding infrastructure at ClarityPay as we prepare for the next leap, and Peter will be an essential part of how we get there," said Houman Motaharian, CEO and Founder of ClarityPay. Ostrem's appointment directly supports ClarityPay's strategy to scale origination volume across a broader spectrum of merchants and consumer credit tiers, while building the balance sheet infrastructure required to support institutional-grade growth. Prior to Divvy, Ostrem served as Head of Capital Markets at Swift Capital, a small business lender acquired by PayPal in 2017. He was previously a Managing Director in fixed income trading at Goldman Sachs from 2000 to 2007. About ClarityPay ClarityPay provides merchants with tailored point-of-sale credit solutions to drive acquisition and loyalty while giving customers flexible pay-over-time options across all customer segments. ClarityPay offers plans from 6 weeks to 84 months to cover purchases from $50 to $50,000, while giving merchants more control over customer experience, data, and program branding. Built for omnichannel commerce, ClarityPay integrates via API or major commerce and lending platforms, serving merchants in retail, health and wellness, home improvement, auto repair, travel and services. Learn more at www.claritypay.com. Media Contact: [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/claritypay-appoints-divvy-capital-markets-exec-peter-ostrem-to-lead-institutional-funding-strategy-302806327.html SOURCE ClarityPay The articles, information, and content displayed on this webpage may include materials prepared and provided by third parties. Such third-party content is offered for informational purposes only and is not endorsed, reviewed, or verified by Morningstar. Morningstar makes no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any third-party content displayed on this site. The views and opinions expressed in third-party content are those of the respective authors and do not necessarily reflect the views of Morningstar, its affiliates, or employees. Morningstar is not responsible for any errors, omissions, or delays in this content, nor for any actions taken in reliance thereon. Users are advised to exercise their own judgment and seek independent financial advice before making any decisions based on such content. The third-party providers of this content are not affiliated with Morningstar, and their inclusion on this site does not imply any form of partnership, agency, or endorsement.

PR Newswire
Jun 22nd, 2026
Ex-Divvy exec who scaled originations from $10M to $1.2B monthly joins ClarityPay as capital markets head

ClarityPay, a point-of-sale credit solutions provider, has appointed Peter Ostrem as Head of Capital Markets. Ostrem brings over 25 years of fintech capital markets experience, most recently leading Divvy's capital markets function and scaling monthly originations from $10 million to $1.2 billion in three years before Divvy's $2.5 billion acquisition by BILL. At ClarityPay, Ostrem will build the institutional capital function, securing asset buyers, warehouse lenders and structured capital relationships to support origination growth. His initial focus involves establishing core institutional partnerships whilst preparing for future rated debt market access. Previously, Ostrem served as Head of Capital Markets at Swift Capital, acquired by PayPal in 2017, and was a Managing Director in fixed income trading at Goldman Sachs from 2000 to 2007.

PR Newswire
Jun 9th, 2026
ClarityPay and Diamonds International launch branded financing with $50K instant approvals across 125+ cruise and port stores

ClarityPay has partnered with Diamonds International to launch a branded financing programme across more than 125 fine jewellery stores on cruise lines and at international port locations. The programme offers instant approvals up to $50,000 with various financing options, including 0% interest deals. The Diamonds International Financing Account is designed for travellers making purchases whilst at sea or in port destinations. ClarityPay developed an omnichannel system that works internationally and aboard ships, with an intuitive experience for both customers and sales associates. The partnership includes integrated marketing to engage customers throughout their voyage. Diamonds International, established in 1988, operates locations across the Caribbean, Mexico and Alaska. ClarityPay provides point-of-sale credit solutions with loan terms ranging from six weeks to 84 months.