Risk Analyst

Locations: Atlanta

About ClarityPay

We give businesses and their customers peace of mind by solving complex credit challenges with precision, speed, and intelligence, combining deep expertise with advanced technology, to simplify the experience and deliver better outcomes, every time.

We're a fast‑growing fintech empowering 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.

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

AtClarityPay, weSolve What Matters, Build With Purpose, and Win With Trust. We are a modern financial technology leader dedicated to solvingcredit'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 atClarityPay, you will leverage your analytic, economic, and technical skills to innovate and execute solutions. Your primary focus will be on thestrategic management and optimization of credit risk and portfolio health.

What You'll Do

• Performingfinancial and economic data experimentation and leveraging advanced data analytics to derive critical insights.

• Review capital markets, dissect complex data, and translate it intoactionable strategies to help optimize credit underwriting.

• Determining and optimizingmerchant limit assignments to ensure they are set optimally to balance risk and growth and drive user engagement.

• OptimizingClarityPay’s portfolio, managing risk and ensuring the health and profitability of credit offerings.

• Designing and implementinginclusive 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 buildeffective 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 ofSQL and/or experience withPython or R.

• Practical and theoretical knowledge ofA/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 workcross-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 likeSnowflake or BigQuery or similar services.

H1B transfer are available. No new sponsorships.