Product Manager

Experience Level: 2-3 Years

About Us:

At ClarityPay, we're redefining consumer finance with smart, adaptive lending solutions that make financial clarity and affordable credit accessible to all. Based in NYC and Atlanta, our fast-growing fintech empowers enterprise merchants with configurable “Pay Over Time” tools—from point-of-sale financing to loyalty-integrated BNPL offers. We solve complex credit challenges with speed, precision, and intelligence—combining deep expertise with advanced tech to deliver better outcomes, every time.

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.

Role Overview

As a Junior Product Manager focused on lending, you’ll support the end-to-end development of features that enhance the borrower experience, streamline underwriting processes, and ensure regulatory compliance. You’ll work alongside Product Managers, Engineers, Credit Risk Analysts, and Operations to ship features that make our lending platform smarter and more scalable.

You’ll help shape the tools, data flows, and user journeys that power loan applications, decisioning, servicing, and collections.

Key Responsibilities

Product Discovery & Lending Insights

• Work with product and credit teams to explore borrower pain points across the loan lifecycle (application, approval, disbursement, repayment).

• Conduct research on user behavior, credit risk friction, and loan funnel drop-offs.

• Benchmark competitors and gather insights on trends in digital lending, BNPL, and embedded finance.

Product Execution & Delivery

• Write user stories and define functional requirements for borrower-facing flows and internal servicing tools (e.g., verification, loan status tracking, auto-pay enrollment).

• Collaborate with engineering to ensure timely and high-quality delivery of lending features.

• Support testing, QA, and post-launch validation—especially for compliance-sensitive features.

Analytics & Optimization

• Monitor key lending metrics such as approval rates, time to funding, NPS, repayment success, and defaults.

• Partner with data analysts and credit teams to understand the impact of product changes on portfolio performance.

• Help iterate on loan application UX, credit decision logic inputs, and servicing workflows.

Cross-functional Coordination

• Work with Risk, Legal, and Compliance to ensure lending features meet regulatory requirements (e.g., KYC/AML, TILA, ECOA).

• Support Operations and Customer Support with product training and documentation.

• Contribute to rollout plans, FAQs, and support playbooks for new lending initiatives.

Requirements

• 2–3 years of experience in fintech, lending, consumer finance, or related product or operations roles.

• Familiarity with the digital lending lifecycle and concepts like credit risk, underwriting, and servicing.

• Strong analytical skills and a data-informed mindset.

• Excellent communication and collaboration skills.

• Detail-oriented with a passion for delivering great customer experiences.

Preferred Qualifications

• Bachelor’s degree in Business, Finance, Economics, Engineering, or related field.

• Exposure to loan origination systems, credit models, or fraud prevention tools.

• Experience with tools like Jira, Figma, SQL, Excel

• Understanding of compliance standards relevant to lending (e.g., Fair Lending, Reg Z).

What We Offer

• A chance to help build meaningful credit products from the ground up.

• Mentorship and exposure to senior product, credit, and risk leaders.

• A fast-paced, mission-driven environment where your work drives real impact.

• Competitive salary, bonus and equity options

• 401k program

Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality.

Salary Range: $100,000 – $160,000 per year, based on experience and qualifications.

ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.