Risk Modeling Lead

Clara is the leading spend management platform for companies in Latin America.Our end-to-end solution includes locally‑issued corporate cards, bill pay, and our highly-rated software platform; already being used by thousands of the most successful companies across the region.Clara is backed by top investors and strategics including Accial Capital, Canary, Citi Ventures, Coatue, DST Global, General Catalyst, Goldman Sachs, ICONIQ Growth, Kaszek, Monashees, and Notable Capital, as well as prominent angel investors.We’re looking for a Risk Modeling Specialist to guide and inspire a high‑performing team of data scientists in building advanced risk models and predictive analytics.This role works hand‑in‑hand with Credit Risk teams, playing a pivotal part in shaping the company’s modeling strategy and data initiatives.You’ll be responsible for driving innovation, improving credit decision‑making, developing regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance.Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler.What You’ll DoLead strategic planning for modeling initiatives, collaborating across teams to align with business and risk goalsDrive innovation in data science to enhance decision‑making and operational efficiencyProvide data intelligence and analytics to support risk strategies and portfolio performanceDevelop and maintain predictive models that identify opportunities and mitigate riskBuild and enhance advanced statistical models, including credit decision models where data is limited or incompleteOwn the development and maintenance of regulatory risk models (e.g., expected credit losses)Monitor model performance and drive continuous improvements and recalibrationsOwn the Risk MIS : monitor risk policies, model outcomes, and performance of credit analystsIdentify and implement process enhancements to improve efficiency, scalability, and outcomesCommunicate findings and recommendations clearly to senior leadership and key stakeholdersWhat We’re Looking ForNon-negotiable RequirementsAcademic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems designProven strong experience in credit risk modeling in Latin American marketsAdvanced proficiency in SQL and data visualization toolsStrong command of machine learning techniques applied to credit and risk modelingHigh attention to data quality and integrity , especially within financial datasetsProficient in Python or other common modeling languagesMain professional skillsStrong project management and cross‑functional coordination skills of high‑impact data science or modeling projectsHands‑on experience deploying models into production environmentsProficient in building scalable, robust data pipelines and model architecturesStrong skills in predictive analytics and business‑driven model designExperienced in model monitoring, backtesting, and performance evaluationFamiliarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit lossesPassion for mentoring and elevating team capabilitiesYou’ll get some valued extra points if you haveFintech industry experience, ideally in fast‑paced, high‑growth environmentsExperience navigating financial audits , understanding documentation and compliance expectationsUnderstanding of financial conciliation processes and operational finance systemsExposure to credit card and payments ecosystemsA collaborative, solution‑oriented mindset with a passion for building from scratchFamiliarity with Latin American regulatory and compliance standardsComfortable using modern collaboration tools (Slack, Notion, etc.)Why Join Clara?Competitive salary + stock options (ESOP) from Day 1Fully flexible work model (remote or hybrid - São Paulo)Benefits tailored to your lifestyle and prioritiesMulticultural environment with daily exposure to English and SpanishLearning budget and internal development tracksHigh‑ownership culture : we move fast, learn fast, and raise the bar togetherCollaborative, inclusive, and ambition‑driven teamThe way we do things is as important as what we do.That is why we operate on a set of carefully‑identified values.They are what we expect from ourselves and each other in our day‑to‑day.We valueClarity - Open and direct communicationSimplicity - Pare things down to the essentialOwnership - We’re all owners and act like itPride - Make quality products we’re proud ofAlways Be Changing (ABC) :Continuous self‑improvementInclusivity - Every voice counts; we value each other for our shared mission and contribution #J-18808-Ljbffr