Especialista em Risco de Crédito (Credit Risk Expert) - Híbrido

Clara is the leading platform in Latin America for companies to execute and manage every payment operation. 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.

Job description

We're growing our Risk squad and looking for a high-impact Credit Risk Expert in Latin America — if you or someone you know thrives at the intersection of credit, data, technology, and fintech , keep reading.

Senior Credit Risk & Portfolio Strategy Manager

A hands-on, strategic role for someone who can understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.

You'll own portfolio risk monitoring , analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators

You'll identify emerging risks and opportunities, perform root-cause analysis , and translate findings into concrete portfolio actions

You'll design, implement, and measure credit strategies across the customer lifecycle , including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies

You'll monitor and challenge credit models and decision strategies , analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions

You'll use SQL and Python to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies

You'll use AI and automation 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

You'll monitor portfolio risk appetite, concentrations, covenants, and management indicators , translating complex portfolio dynamics into clear recommendations for senior stakeholders

You'll work cross-functionally with Data, Product, Engineering, Finance, Operations, and Collections to take initiatives from analysis through implementation

We're looking for a true builder mindset : 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

5+ years of experience in Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles . Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios is a strong plus

Strong SQL + Python skills and fluency in English required. Spanish and/or Portuguese are highly valued

If you think you're a good fit — or know someone who is — apply or send me a message!

São Paulo, CDMX, Bogotá | Hybrid

Where we work

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.

Why Clara

A high talent-density team driven to make an impact in Latin America — low ego, high ownership.

Competitive salary and stock options (ESOP) from day one.

An annual learning budget and accelerated development paths.

English is our working language, with Spanish and Portuguese every day.

How we work

Clarity — Open and direct communication: we say what we mean and give context where it matters.

Simplicity — If it can be simpler, it should be.

Ownership — We own everything we do, end to end. When something needs to happen, we don't wait.

Pride — We hold ourselves to a high standard, and it shows in what we deliver.

ABC (Always Be Changing) — We adapt fast, embrace change, and keep learning.

Inclusivity — Diverse ideas, stories and perspectives build a better Clara.

If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.