Credit Risk Expert

Latin AmericaReady to accelerate your career?Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale.Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas.What you'll doWe’re looking for a Credit Risk Expert to help shape how Clara manages and scales risk in Latin America. You’ll work closely with a high-performing team of risk specialists, data scientists, and business partners to build predictive credit models and enable high-quality, data-driven decision-making.This role is instrumental in aligning credit strategies with business goals. You’ll drive innovation across our risk frameworks, help design and monitor model performance, and ensure Clara’s credit operations remain robust, scalable, and compliant. Your work will directly impact business growth, resilience, and the health of our credit portfolio.Your key responsibilitiesLead and support the development of regulatory and non-regulatory credit risk models (e.g., expected credit losses)Drive innovation in predictive analytics and modeling frameworks that enhance decision-making and operational efficiencyOwn the Risk MIS: monitor credit policy performance, model outcomes, and portfolio trendsCollaborate across Operations, Finance, and Data teams to align risk strategies with broader business prioritiesEnsure model monitoring, backtesting, and recalibration routines are best-in-classProvide clear insights and recommendations to senior leadership on portfolio performance and risk exposureContinuously improve data and modeling processes for scalability, accuracy, and complianceMaintain rigorous standards of data quality, documentation, and model governanceWho you areWe’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.Must havesAcademic background in Actuarial Science, Mathematics, Statistics, Computer Science, or similarProven experience in credit risk management in Latin American marketsStrong proficiency in SQL and data visualization tools such as MetabaseDeep familiarity with predictive modeling, risk reporting, and model performance evaluationExperience building and maintaining credit risk methodologiesFluency in English and PortugueseExcellent cross-functional project management and communication skillsNice to havesExperience in Fintech, especially in fast-paced or early-stage environmentsExposure to credit card and payments ecosystemsFamiliarity with Latin American regulatory frameworks for credit lossesExperience supporting financial audits and compliance documentationWorking knowledge of Slack, Notion, or similar collaboration toolsUnderstanding of financial conciliation or operational finance processesSpanish proficiency or interest in learningWhy join ClaraAt Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America.Who we areWe’re the leading B2B fintech for spend management in Latin America.Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup.Passionate about making Latin America more prosperous and competitive.Constantly innovating to build financial infrastructure that enables each of our customers to thrive.Product-led, high-talent-density culture — designed for builders who raise the bar.Proud of our open, inclusive, and values-driven environment.What we believe in#Clarity. We say things clearly, directly, and proactively.#Simplicity. We reduce noise to focus on what really matters.#Ownership. We take responsibility and never wait to be told.#Pride. We build products and experiences we’re proud of.#Always Be Changing (ABC). We grow through feedback, risk-taking, and action.#Inclusivity. Every voice counts. Everyone contributes to our mission.What we offerCompetitive salary and stock options (ESOP) from day oneMulticultural team with daily exposure to Portuguese, Spanish, and English (our corporate language)Annual learning budget and internal accelerated development pathsHigh-ownership environment: we move fast, learn fast, and raise the bar — togetherSmart, ambitious teammates — low ego, high impactFlexible vacation and hybrid work model focused on results #J-18808-Ljbffr