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.