Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

<div class="content-intro"><p><strong>Clara is the leading platform in Latin America for companies to execute and manage every payment operation.</strong> More than 50,000 leading and fast-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region’s fastest-growing company. We’re passionate about helping every company we work with become more effective—and, through that, raising the region’s competitiveness. We’re ~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others.</p></div><p>Job description</p> <p>We're growing our <strong>Risk squad</strong> and looking for a high-impact <strong>Credit Risk Expert in Latin America</strong> — if you or someone you know thrives at the intersection of <strong>credit, data, technology, and fintech</strong>, keep reading.</p> <h3><strong>Senior Credit Risk & Portfolio Strategy Manager</strong></h3> <p>A hands-on, strategic role for someone who can <strong>understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.</strong></p> <ul> <li>You'll own <strong>portfolio risk monitoring</strong>, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators</li> <li>You'll identify emerging risks and opportunities, perform <strong>root-cause analysis</strong>, and translate findings into concrete portfolio actions</li> <li>You'll design, implement, and measure <strong>credit strategies across the customer lifecycle</strong>, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies</li> <li>You'll monitor and challenge <strong>credit models and decision strategies</strong>, analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions</li> <li>You'll use <strong>SQL and Python</strong> to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies</li> <li>You'll use <strong>AI and automation</strong> to build smarter and more scalable Risk processes and tools. We're looking for someone who enjoys experimenting, coding, and finding better ways to solve problems</li> <li>You'll monitor <strong>portfolio risk appetite, concentrations, covenants, and management indicators</strong>, translating complex portfolio dynamics into clear recommendations for senior stakeholders</li> <li>You'll work cross-functionally with <strong>Data, Product, Engineering, Finance, Operations, and Collections</strong> to take initiatives from analysis through implementation</li> <li>We're looking for a true <strong>builder mindset</strong>: someone analytical and technically strong who doesn't stop at reporting a problem, but wants to understand it, design a solution, build it, and measure whether it worked</li> <li>5+ years of experience in <strong>Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles</strong>. Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios is a strong plus</li> <li>Strong <strong>SQL + Python</strong> skills and fluency in English required. Spanish and/or Portuguese are highly valued</li> </ul> <p>If you think you're a good fit — or know someone who is — apply or send me a message!</p> <p><strong>São Paulo, CDMX, Bogotá | Hybrid</strong></p> <p><strong>Where we work</strong></p> <p>This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.</p><div class="content-conclusion"><h2>Why Clara</h2> <ul> <li><strong>A high talent-density team</strong> driven to make an impact in Latin America — low ego, high ownership.</li> <li>Competitive salary and stock options (ESOP) from day one.</li> <li>An annual learning budget and accelerated development paths.</li> <li>English is our working language, with Spanish and Portuguese every day.</li> </ul> <h2>How we work</h2> <ul> <li><strong>Clarity</strong> — Open and direct communication: we say what we mean and give context where it matters.</li> <li><strong>Simplicity</strong> — If it can be simpler, it should be.</li> <li><strong>Ownership</strong> — We own everything we do, end to end. When something needs to happen, we don't wait.</li> <li><strong>Pride</strong> — We hold ourselves to a high standard, and it shows in what we deliver.</li> <li><strong>ABC (Always Be Changing)</strong> — We adapt fast, embrace change, and keep learning.</li> <li><strong>Inclusivity</strong> — Diverse ideas, stories and perspectives build a better Clara.</li> </ul> <p>If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.</p></div>