Director of Capital Markets

About Us

At Clarity. Pay, 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.

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. Role Overview: Clarity. Pay is a merchant-first point-of-sale lending platform that helps merchants increase conversion by offering their customers flexible, affordable financing.

We fund more than $100 million in consumer loans each month on behalf of our merchant partners. We are seeking an experienced Director, Capital Markets to help scale our capital markets function. Reporting directly to the Head of Capital Markets, the Director will play a critical role in developing and executing our funding strategy, managing capital partner relationships, and building the scalable infrastructure needed to provide reliable, cost-effective liquidity as the business grows.

This position is in-office at either our New York or Atlanta location.

Key Responsibilities

• Structure, negotiate, and manage forward flow purchase agreements with loan buyers and institutional partners
• Develop and oversee borrowing base reporting for on- and off-balance-sheet warehouse facilities
• Build and maintain strong relationships with lenders, investors, and other capital partners
• Analyze large loan-level data sets to support investor presentations, due diligence, and ongoing performance reporting
• Partner closely with Credit, Finance, Legal, Operations, and senior leadership to align funding strategy with business growth
• Help design and implement scalable processes and infrastructure for the capital markets function Qualifications:
• Bachelor’s degree in finance, economics, statistics, or a related field, or equivalent work experience - 4–6 years of relevant experience in forward flow agreements, warehouse finance, corporate debt capital markets, or partner-facing relationship management
• Strong understanding of consumer credit risk and underwriting
• Proven relationship-building and negotiation skills
• Advanced proficiency in Excel and database tools
• Excellent written, verbal, and presentation skills
• Highly analytical and detail-oriented
• Strong work ethic and a high degree of ownership What We Offer:
• Competitive fixed and variable compensation package.
• Comprehensive benefits (medical, dental, vision). - 401k program. Ready to redefine point-of-sale financing with us? Apply today and join a passionate team committed to making financial clarity a reality. Clarity. Pay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran status, marital status, or any other legally protected status.