Ostrem brings over 25 years of experience in fintech capital markets and asset-backed securitization to the New York-based firm. Before his tenure at Divvy—which culminated in a $2.5 billion acquisition by BILL—he served as Head of Capital Markets at Swift Capital and spent seven years as a Managing Director in fixed income trading at Goldman Sachs.

At ClarityPay, Ostrem is tasked with cultivating a network of warehouse lenders and asset buyers to support the company’s point-of-sale credit solutions. His roadmap involves shifting from early-stage institutional partnerships toward rated debt markets to lower funding costs as origination volumes rise. CEO Houman Motaharian noted that the company is specifically looking to replicate the high-volume infrastructure Ostrem successfully deployed during his previous roles. By integrating merchant-focused credit models, ClarityPay aims to scale its reach across diverse consumer segments while maintaining a sustainable balance sheet.