C

Clair

No-cost on-demand wage advances for employees

Product Manager

Full-Time
$180k/yr+ Equity
Mid
New York, NY, USA
HybridHybrid in New York City; office attendance at least three days weekly (Tuesday–Thursday), with occasional additional office days for client meetings.
ProductProduct Management

About the job

Requirements
  • At least 3 years of product management experience, ideally including building new products or features from the ground up.
  • Comfort operating in ambiguity and creating clarity and momentum without fully defined decisions, processes, or paths.
  • Strong product instincts and willingness to test assumptions quickly and learn from results.
  • Experience balancing stakeholder needs while maintaining a clear point of view about what is best for users and the product.
  • Empathy for how Americans use financial products and interest in how financial products affect people's lives and financial well-being.
  • Experience partnering closely with design teams and articulating product preferences, user needs, and tradeoffs.
  • Comfort working with engineers, data teams, and technical systems.
  • Strong data fluency and experience using quantitative and qualitative insights to inform product decisions.
  • Strong communication and stakeholder-management skills, including bringing people along when the answer or path forward is unclear.
  • Comfort advocating for product strategy or roadmaps, including to senior leadership.
  • Ownership and accountability, including seeing problems through rather than waiting for others to solve them.
  • A resourceful, adaptable, practical startup mindset and enthusiasm for building something new.
Responsibilities
  • Identify, evaluate, and help define opportunities for new products and experiences, often before the problem or solution is fully understood.
  • Define and execute product strategy and roadmaps in ambiguous, fast-moving environments.
  • Partner with engineering and design to move from concept to experiment to product while balancing speed with thoughtful execution.
  • Build, test, learn, and iterate quickly, deciding when to invest further and when to stop an effort and move on.
  • Balance user experience and needs with partner priorities, business requirements, and the realities of an embedded fintech product.
  • Work with partner management and go-to-market teams to identify opportunities, uncover unmet needs, and develop product concepts when necessary.
  • Develop a deep understanding of users through feedback, behavioral data, research, and direct conversations, and find new ways to learn when existing data is insufficient.
  • Work with data and analytics teams to develop hypotheses, evaluate product performance, and make informed decisions with incomplete data.
  • Collaborate with design and support teams to create intuitive experiences that help users understand and confidently engage with financial products.
  • Partner with regulatory, finance, operations, and other internal stakeholders to navigate complex requirements while maintaining focus on user experience.
  • Bring the voice of the customer into product strategy, roadmap discussions, and day-to-day product decisions.
  • Analyze market trends, emerging customer needs, and the fintech landscape to identify innovation and new-business-line opportunities.
  • Advocate for the product and its point of view, including with senior leadership, while remaining open to feedback and changing course when new information emerges.
  • Own work from problem identification through launch and iteration, helping execute decisions rather than only recommending them.
Desired Qualifications
  • Experience working in consumer fintech, neobanking, financial services, or another complex and regulated industry.
  • Understanding of or curiosity about lending systems, underwriting, payments, risk management, or other financial infrastructure.

About the company

Clair offers on-demand wage access as a fintech service for employees. It partners with employers to integrate wage-advance functionality into payroll systems, allowing workers to access a portion of their earned wages before payday through Clair’s platform and a virtual or physical debit card. The core product has no fees or interest, so employees can obtain advances without extra costs. Clair generates revenue through employer partnerships and optional rewards programs, and its service is designed as an employee benefit that supports financial wellness and workplace satisfaction. Clair differentiates itself by providing a no-cost, no-interest wage-advance option and by embedding the service into existing HR/payroll workflows, making it easy for employers to offer this benefit. The company’s goal is to expand access to earned wages, helping hourly workers and gig economy workers cover unexpected expenses and manage finances more effectively.

Company Size

51-200

Company Stage

Series B

Total Funding

$218.3M

Headquarters

New York City, New York

Founded

2019

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Simplify's Take

What believers are saying

  • Clair hit a $100 million revenue run rate on August 11, 2026.
  • It also became cashflow positive, with $2 billion volume, 500,000 MAUs, and 300,000 businesses.
  • August 2026 launches Bill Assist and Credit Builder expand Clair beyond wage access.

What critics are saying

  • H.R. 9330 advanced September 1, 2026, threatening stricter federal EWA disclosure and lending rules.
  • Clair depends on Pathward and payroll partners; a single contract change can cripple distribution.
  • Payroll giants can copy EWA in-house, compressing Clair's margins and relevance within 24 months.

What makes Clair unique

  • Clair embeds earned wage access inside Gusto and QuickBooks workflows, not a standalone app.
  • Pathward, N.A. originates advances, giving Clair FDIC-insured banking rails and compliance credibility.
  • Clair charges workers nothing, monetizing interchange and platform relationships instead of borrowing fees.

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Benefits

  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Disability Insurance
  • Health Savings Account/Flexible Spending Account
  • Unlimited Paid Time Off
  • Paid Vacation
  • Hybrid Work Options
  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Parental Leave

Growth & Insights and Company News

6 month growth

-1%

1 year growth

-1%

2 year growth

1%
The Mirror Democrat and Savanna Times-Journal
Oct 8th, 2026
Pathward and Clair extend partnership to expand access to Earned Wage advances.

Pathward and Clair extend partnership to expand access to Earned Wage advances. * 1 hr ago Pathward Financial, Inc. (Nasdaq: CASH) through its subsidiary, Pathward(R), N.A., ("Pathward") a national bank focused on expanding financial access through payments and lending solutions, announced an extension of its partnership with Clair, an embedded financial technology company providing earned wage advances through payroll and workforce platforms. Under the renewed agreement, Pathward will continue originating advances offered through Clair's platform, helping workers access eligible earned wages before payday. National bank, Pathward, announced an extension of its partnership with Clair, an embedded financial technology company providing earned wage advances through payroll and workforce platforms. "Clair has built an embedded solution that gives workers greater choice in when they access their earnings," said Pathward's Chief Customer Officer Will Sowell. "Extending our partnership reflects our shared commitment to responsible innovation and expands the reach of a solution designed to improve financial access. We look forward to continuing to provide the banking and lending infrastructure that supports Clair's growth." Clair embeds earned wage advance solutions into payroll and workforce platforms, giving eligible workers access to a portion of their earned wages before payday. For employers, the solution can provide a financial wellness benefit without requiring changes to existing payroll processes and without an employer fee. Through the partnership, Pathward provides the lending infrastructure and originates the earned wage advances offered through Clair's platform. According to Clair, its platform has reached a $2 billion wage advance volume run rate, 500,000 monthly active users, and more than 300,000 active businesses. "Our partnership with Pathward has been central to building an experience that can scale responsibly across payroll and workforce platforms," said Clair CEO and Founder Nico Simko. "This extension allows us to continue expanding access to earned wages through the technology workers already use." About Pathward Financial, Inc. Pathward Financial, Inc. (Nasdaq: CASH) is a U.S.-based financial holding company driven by its purpose to power financial inclusion. Through its subsidiary, Pathward(R), N.A., Mycarrollcountynews strive to increase financial availability, choice and opportunity through payments sponsorship and lending. These capabilities provide support to individuals and businesses. Learn more at pathwardfinancial.com. About Clair Clair is a leading provider of embedded Earned Wage Access (EWA), empowering workforce management and payroll platforms to offer early access to earned wages to employees at no cost to employers. Supported by its partnership with FDIC-insured national bank Pathward, N.A., Clair has 300,000 active businesses on the platform across 41 different industries, increasing retention and financial wellness amid front-line worker shortages. Based in New York, Clair has a team of 78 full-time employees and has raised $69.2M in funding from investors including Thrive Capital, Upfront Ventures, Kairos HQ, and Founder Collective. For more information, visit getclair.com. Media gallery

Business Wire
Sep 12th, 2026
Fintech company Clair raises $175 million to launch first free, on-demand pay solution powered by FDIC-insured bank, to help front-line workers get paid same day

Clair, a mission-driven fintech company, today announced it raised $175 million in funding to launch the first free, consumer-friendly, on-demand pay solutio...

TechRseries
Aug 12th, 2026
Clair reaches $100M revenue run rate in under two years.

Clair reaches $100M revenue run rate in under two years. The rapid growth is fueled by $2 billion in wage advance volume run rate, 500,000 monthly active users, and over 300,000 active businesses on the platform. Clair, the embedded earned wage access infrastructure powering payroll and workforce platforms, announced it has crossed $100 million in revenue run rate in under two years. Clair also turned cashflow positive earlier this year. These milestones come as Clair hits record highs across its platform, with $2 billion in wage advance volume run rate, 500,000 monthly active users, and over 300,000 active businesses. This growth underscores the scale of the financial problem Clair was built to solve: U.S. employers currently hold $500 billion in unpaid, earned wages. By embedding directly into partner platforms, including Gusto and QuickBooks, Clair unlocks that money for Americans when they need it most. These milestones show that work is accelerating as inflation and rising costs are making unexpected bills untenable for many American workers. "For centuries, the rule of labor was set in stone: work today, get paid weeks later," said Clair CEO Nico Simko. "We are rewriting that rule and betting that payroll and workforce apps will lead the democratization of faster access to wages. I am incredibly proud to achieve these milestones and see this vision operating at a massive scale." Clair is also expanding beyond earned wage access. The company unveiled two new products designed to help consumers pay their bills, build their credit, and save on fees. Bill Assist helps individuals keep track of their bills to help avoid overdraft or late fees, and Credit Builder provides individuals with a new path to build their credit score with every paycheck. Clair continues to work toward its mission to make America's workforce financially free by providing seamless, transparent, and fair access to financial services connected to the workplace. [To share your insights with us, please write to [email protected]]

PR Newswire
May 18th, 2026
Belfry partners with Clair to offer on-demand pay for US security officers

Belfry, an operating platform for security guard services companies, has launched On-Demand Pay, allowing security officers to access earned wages before payday. The earned wage access benefit is powered by financial technology company Clair, with advances originated by Clair's banking partner, Pathward. The service addresses financial stress amongst the US private security industry's one million-plus hourly workers, who often face cash flow challenges between pay periods. Belfry aims to help security companies compete for talent in a sector struggling with high turnover and chronic understaffing. On-Demand Pay is included at no additional cost for Belfry customers and requires no changes to payroll processes. Employers are not responsible for funding advances or collecting repayments. The feature is embedded directly in the Belfry app.

Business Wire
May 22nd, 2025
Wages Earned, Wages Paid: Embedded Fintech Clair Raises Over $23M in Series B to Continue its Mission to Provide Secure, Simple Earned Wage Access

Clair, the pioneering fintech company offering Earned Wage Access (“EWA”) originated by national bank, Pathward®, N.A., today announced that it has raised $2...