Mrutyunjaya "MJ" Panda
Chief Operating Officer • Fintech • AI, risk, and data systems
I lead operations and build data, risk, and AI systems for financial technology companies.
As Chief Operating Officer at ClarityPay, I oversee business operations, capital recovery, merchant underwriting, partner risk, data, and AI. I use reliable workflow data to improve credit decisions, reduce losses, and help merchant programs grow sustainably.
At Goldman Sachs and American Express, I worked on machine-learning risk models, non-card lending products, and merchant partnerships. I combine careful analysis with practical engineering to build systems that improve over time.
Press & In the News
ClarityPay Taps Goldman, AmEx Vet MJ Panda as COO to Scale Next Gen Credit Solutions
Announcing executive leadership appointment to scale risk intelligence and point-of-sale credit platforms.
ClarityPay Appoints MJ Panda as COO
Executive coverage on scaling operations, merchant partnerships, and automated credit modeling.
Operating Principles
Measure the Work
When work is not measured, growth often requires more people. Good event data helps teams automate tasks and improve decisions.
Test and Update Decisions
Use causal models, regular review, and clear feedback loops instead of relying only on fixed rules.
Give Teams Clear Ownership
Set clear goals and boundaries, then give teams authority to act without unnecessary committee review.
Write to Clarify
Clear memos and design documents reduce ambiguity and help distributed teams make consistent decisions.
Career Highlights
Chief Operating Officer (COO) — ClarityPay
Fintech and point-of-sale credit
Lead business operations, capital recovery, merchant underwriting, partner risk, data, and AI to expand tailored credit programs and improve decisions.
Risk and Causal Modeling — Goldman Sachs
Predictive modeling and credit risk
Developed machine-learning models and data systems for credit underwriting and portfolio risk.
Lending and Causal Modeling — American Express
Non-card lending and merchant partnerships
Helped build non-card lending products and retail partnerships, using customer data to improve credit decisions.