Full-Time

Financial Controller

ClarityPay

ClarityPay

11-50 employees

Point-of-sale lending platform for merchants

Compensation Overview

$150k - $180k/yr

+ Equity

New York, NY, USA + 1 more

More locations: Atlanta, GA, USA

Hybrid

Category
Accounting (2)
,
Required Skills
NetSuite
Quickbooks
Requirements
  • Bachelor's degree in Accounting or Finance; CPA a plus
  • 8–12 years of progressive accounting experience, including time in public accounting
  • Experience in fintech, specialty finance, lending, or financial services — familiarity with loan accounting (ASC 310, CECL/ASC 326) is strongly preferred
  • Proven experience managing a full monthly close and leading an external audit
  • Solid understanding of US GAAP, including revenue recognition, debt accounting, and lease accounting
  • Experience with tax compliance coordination (federal, state, local)
  • Hands-on with accounting systems (QuickBooks, NetSuite, or similar); comfortable working in a lean, build-it-yourself environment
  • High attention to detail, strong organizational skills, and the ability to manage multiple priorities under deadline
  • Strong communicator — able to present financial results clearly to non-finance stakeholders and the board
Responsibilities
  • Own the preparation of accurate, timely GAAP financial statements (income statement, balance sheet, cash flow statement).
  • Ensure proper accounting treatment for loan originations, interest income, deferred fees, credit losses (CECL), and warehouse facility borrowings.
  • Maintain and enforce accounting policies in accordance with US GAAP.
  • Coordinate with the FP&A team to align management reporting with GAAP financials.
  • Manage and execute the full monthly close process, including journal entries, account reconciliations, and flux analysis.
  • Drive continuous improvement of close timelines and accuracy.
  • Maintain a close calendar and ensure all deadlines are consistently met.
  • Serve as the primary point of contact for external auditors.
  • Lead annual audit preparation, including PBC schedules, workpaper documentation, and auditor communications.
  • Ensure the company is audit-ready at all times, not just at year-end.
  • Manage federal, state, and local tax compliance, including preparation and filing coordination with external tax advisors.
  • Oversee sales tax and any applicable excise or regulatory tax obligations.
  • Support tax planning and structuring as the business scales.
  • Design and maintain a strong internal controls environment.
  • Ensure compliance with lender reporting requirements and debt covenant calculations.
  • Support any regulatory or licensing requirements related to the lending business.
  • Own the accounting tech stack (GL, expense management) and drive adoption of scalable tools.
  • Partner with engineering and operations to ensure proper revenue and transaction data flows into the GL.
  • Build and document accounting processes and policies as the company grows
Desired Qualifications
  • CPA certification preferred

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

11-50

Company Stage

N/A

Total Funding

N/A

Headquarters

New York City, New York

Founded

2024

Simplify Jobs

Simplify's Take

What believers are saying

  • Achieved profitability by July 2025 with $1B Neuberger Berman capital purchase program backing.
  • Board additions of Lynne Laube and MJ Panda bring payments expertise and operational scaling.
  • Omnichannel API integration across retail, health, home improvement, automotive, and travel sectors.

What critics are saying

  • Affirm's 0% APR merchant promotions and brand recognition erode adoption within 6–12 months.
  • Klarna's $50B+ US BNPL volume dominance starves ClarityPay of high-volume merchant partners.
  • CFPB ability-to-repay rules force 20–30% approval rate cuts, slashing transaction volume.

What makes ClarityPay unique

  • Full-spectrum lending from subprime to super-prime using advanced data models beyond credit scores.
  • Merchant-branded revolving credit lines retain customer data and prevent competitive cross-selling.
  • Flexible payment terms from 4-week installments to 84-month revolving across $50–$50,000 purchases.

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People at ClarityPay who can refer or advise you

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

Home Office Stipend

Professional Development Budget

Conference Attendance Budget

Stock Options

Company Equity

401(k) Company Match

Adoption Assistance

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-5%

2 year growth

5%
PR Newswire
Apr 7th, 2026
Cardlytics founder Lynne Laube joins ClarityPay board as fintech scales credit solutions

ClarityPay, a point-of-sale credit solutions provider, has appointed Lynne Laube to its board of directors. Laube is founder and former CEO of Cardlytics, which she led through its IPO, and currently serves as venture partner at TTV Capital. Laube brings extensive experience in payments and data-driven marketing, having pioneered the use of transaction data for merchants and financial institutions. She previously held leadership roles at Capital One and currently sits on the boards of NerdWallet and Badge. ClarityPay offers merchants financing programmes ranging from four weeks to 84 months, covering purchases from $50 to $50,000. The platform integrates via API across retail, health and wellness, home improvement, automotive repair, travel and professional services sectors. The appointment comes as demand grows for pay-over-time solutions that integrate with merchant operations.

Yahoo Finance
Oct 2nd, 2025
ClarityPay Taps Goldman, AmEx Vet MJ Panda as COO to Scale Next Gen Credit Solutions

NEW YORK, Oct. 2, 2025 /PRNewswire/ - ClarityPay, a provider of tailored point-of-sale credit solutions, today announced the appointment of Mrutyunjaya "MJ" Panda as Chief Operating Officer.

StreetInsider
Jul 30th, 2025
ClarityPay Raises Capital, Achieves Profitability

ClarityPay has achieved profitability and closed an equity round led by TTV Capital, with Vesey Ventures participating. The funding will be used to scale operations and meet market demand. Gardiner Garrard from TTV Capital and Lindsay Fitzgerald from Vesey Ventures will join ClarityPay's Board. This follows a $1 billion capital purchase program announced in February. The company aims to enhance its merchant-first credit solutions and expand its team and product offerings.