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

clara

São Luís / MA / Brasil; São Paulo / SP / Brasil

Posted Aug 21, 2026

Other
Hybrid
Risk

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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.

Credit Risk Expert

This role in one line
You'll live in the data — SQL, Python, models, and strategy — turning portfolio signals into decisions that directly shape how Clara grows and manages risk across Latin America.

This is an individual contributor role with no direct reports. The impact here comes from your own hands and your own thinking, not from managing others. If that excites you, keep reading.

What you'll do
You'll be deep in the data every single day. This means writing complex queries, building and maintaining credit risk models, and turning portfolio signals into concrete strategies — all by yourself, not through a team.

Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations
Support the built, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL
Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it
Design and execute credit line management strategies (CLI/CLD campaigns, proactive limit reviews, exposure optimization) — from the data pull to the recommendation
Develop credit strategies and decision frameworks that feed directly into automated lending decisions
Use AI tools and workflow automation to improve how risk processes run — you'll be expected to experiment and build, not just observe
Translate your own analysis into clear insights for senior leadership
Ensure compliance with provisioning standards and model governance frameworks

Who you are
Must haves

Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field
Proven hands-on experience in portfolio-level credit risk: PD, LGD, EAD, ECL, vintage analysis, roll rates
You write SQL and Python (or R) every day — this is non-negotiable
Experience designing credit line management strategies: CLI/CLD campaigns, limit reviews, exposure control
Strong data visualization skills
Experience in Latin American credit markets
English fluency
You love operating and being strategic at the same time

Nice to haves

Experience in fintech or high-growth environments
Exposure to credit card and payments ecosystems
Familiarity with Latin American regulatory frameworks for provisioning
Hands-on experience with AI tools: workflow automation (e.g. n8n), AI agents, or chatbots applied to risk processes
Experience supporting financial audits

Important: This role is 100% focused on portfolio-level credit risk and quantitative modeling. Profiles from product management, capital markets, liquidity risk, or individual credit underwriting (case-by-case) do not meet the requirements.

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.