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

Job description

## **Ready 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. Job description We're growing our **Risk squad** and looking for a high-impact **Credit Risk Expert latinoamerica** — 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** ## **Why join Clara** At 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 are** - We’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 offer** - Competitive salary and stock options (**ESOP**) from day one - Multicultural team with daily exposure to **Portuguese, Spanish, and English** (our corporate language) - Annual learning budget and internal accelerated development paths - High-ownership environment: we move fast, learn fast, and raise the bar — together - Smart, ambitious teammates — low ego, high impact - Flexible vacation and **hybrid work model** focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. --- #### Clara’s Hybrid Policy Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team. We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.