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. Panda, a veteran of Goldman Sachs and American Express, brings deep expertise in risk management, analytics, and product innovation. His appointment follows ClarityPay's July milestone of reaching profitability and underscores its momentum in delivering next-generation commerce solutions.

Panda, who has a proven track record of building high-performing global teams and operational excellence at scale, most recently advanced machine learning and data-driven risk models at Marcus by Goldman Sachs. At ClarityPay, Panda will lead the evolution of risk and data intelligence, guiding the company through its next phase of growth while delivering sustainable, optimized credit programs that drive measurable outcomes for merchants and their customers.

"I'm excited to join ClarityPay at such an exciting stage of growth," said Panda. "The vision is clear: solve complex credit challenges with precision and intelligence, helping merchants grow while giving customers transparent, flexible payment options. By uniting ClarityPay's proprietary data with real-world insights, we'll build programs that are smarter, more adaptable, and more impactful for businesses and consumers alike."

ClarityPay CEO and Founder Houman Motaharian and Panda first collaborated at American Express, where they launched prepaid solutions in partnership with retailers like Walmart and developed innovative non-card lending platforms. Their track record in harnessing large-scale customer data and advanced data science to strengthen decision-making rigor will be critical to scaling ClarityPay's operating model.

Motaharian added: "I've had the privilege of working with MJ during pivotal moments in our careers, where we balanced analytics and risk while scaling innovation. His leadership style—combining operational excellence with rapid testing of new ideas—aligns perfectly with ClarityPay's mission. Together, we'll deepen our partnerships with merchants to deliver tailored solutions and higher-performing credit programs that meet their acquisition and loyalty objectives."

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About ClarityPay ClarityPay provides merchants with tailored point-of-sale credit solutions to drive acquisition and loyalty while giving customers flexible pay-over-time options across the full credit spectrum. ClarityPay offers a wide range of terms—from 4-week installments to 84-month revolving lines—while giving merchants total control over the customer experience, data, and brand, with no competitive cross-sell. Built for omnichannel commerce, ClarityPay integrates via API or major commerce and lending platforms, serving merchants in retail, health, wellness, home improvement, and travel. Learn more at www.claritypay.com. 

SOURCE ClarityPay