Head of Modeling

About Us: Our clients rely on us to help them serve their customers, grow, and build loyalty. Our values guide everything we do: we put merchants first, stay data driven, always know the why, learn relentlessly, and win together as a team. This clarity of purpose fuels our commitment to delivering exceptional customer experiences at speed and scale. At ClarityPay, we're redefining the point of sale credit market to bring more value to merchants. Based in NYC and Atlanta, our fast growing fintech empowers large merchants with configurable “Pay Over Time” tools—including monthly installments, BNPL, and revolving products. We solve complex credit challenges with speed, precision, and intelligence—combining deep expertise with advanced technology to deliver better outcomes, every time. We are now hiring our first Head of Modeling to own and elevate the decision science that sits at the core of the business. Why this role This is a rare opportunity to stand up a decision-science function from the ground up at a company that already has real volume, real data, and real momentum. You'll set the technical vision, hire and grow the team, put in place the standards, infrastructure, and governance that everything downstream will depend on. This is a leadership role that demands deep technical credibility. What you'll own Build and lead the internal modeling team — define the team structure and operating model, hire your first internal modelers, and grow a high-caliber decision-science organization. This is your primary mandate. End-to-end modeling across the credit and fraud lifecycle — application/underwriting scoring, behavioral and account-management models, line and limit assignment, risk-based pricing, loss forecasting, and collections/recovery optimization. Real-time decisioning at the point of sale — models and decision strategies that approve or decline in milliseconds, balancing approval rates, loss, fraud, and customer experience. Fraud and identity risk — first-part