Full-Time

Product Operations Manager

ClarityPay

ClarityPay

11-50 employees

Point-of-sale lending platform for merchants

Compensation Overview

$100k - $140k/yr

+ Equity

New York, NY, USA

Hybrid

Hybrid work environment based in NYC.

Category
Product (1)
Required Skills
SQL
Tableau
Databricks
Looker
Requirements
  • 4+ years of experience in fintech, consumer lending, or financial services — in a role touching product operations, platform health, customer support, or analytics
  • Working knowledge of the lending lifecycle: origination, underwriting, funding, servicing, and collections
  • Experience managing or triaging customer or partner support issues — you know how to stay calm, communicate clearly, and drive resolution under pressure
  • Strong SQL skills; comfort pulling your own data and building your own analyses without waiting for a data team
  • Experience with BI or monitoring tools (Databricks, QuickSuite, Looker, Tableau, or similar) — you can build and maintain dashboards, not just read them
  • Analytical rigor paired with communication clarity — you can distill complex platform data into a clear story for executive audiences
  • A detective's mindset: you don't just report that a number moved, you figure out why — and then you fix the system so it doesn't happen again
  • Comfort operating in ambiguity at a startup — you build the playbook as you go
Responsibilities
  • Platform Monitoring: Daily tracking of loan lifecycle KPIs: application volume, approval rates, funding rates, repayment success, delinquency, and collection outcomes
  • Monitor for product, integration, and configuration changes across the platform — flag deviations before they compound
  • Build and maintain the daily/weekly reporting rhythm for the CEO and senior leadership, with clear signal-to-noise discipline and actionable summaries
  • Own our monitoring dashboards (Databricks, QuickSuite, or equivalent) — ensuring they are accurate, trusted, and actually used
  • Maintain a structured log of platform events, anomalies, and resolutions to support compliance, institutional knowledge, and post-mortems
  • Product Support: Serve as the escalation point for complex or high-impact product issues raised by borrowers, merchant partners, or internal teams
  • Own the support triage process: categorize, prioritize, and route issues to the right owner — Engineering, Operations, Credit Risk, or Compliance
  • Build and maintain internal support playbooks, FAQs, and escalation runbooks so the team can resolve issues consistently without reinventing the wheel each time
  • Identify recurring support themes and translate them into product improvement opportunities — closing the loop between support signal and product action
  • Partner with Operations and Customer Experience on support tooling, workflows, and quality standards, ensuring a consistent and high-quality experience for borrowers and merchant partners
  • Cross-Functional Coordination: Act as the connective tissue between product, engineering, and operations when platform issues or support escalations require cross-team response
  • Track vendor and servicer performance against SLAs — escalate data integrity issues, sync lags, or partner failures before they affect the portfolio
  • Contribute to incident response and post-mortem processes, ensuring learnings get built back into monitoring and support infrastructure
Desired Qualifications
  • Experience at a BNPL, installment lending, or POS financing company
  • Familiarity with loan origination systems (LOS), servicing platforms, or credit decisioning engines
  • Exposure to compliance-adjacent monitoring (TILA, Fair Lending, Reg Z implications of product changes)
  • Experience with support tooling (Zendesk, Intercom, Salesforce Service Cloud, or similar)
  • Python or scripting experience for monitoring automation

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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Your Connections

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.