Especialista em Risco de Crédito (Credit Risk Expert) Híbrido
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Job Summary
Clara is the fastest-growing company in Latin America. Weve built the leading solution for companies to make and manage all their payments. We already help over 20000 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.
Were 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.
This role in one line
Youll 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.
What youll do
Youll 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 youll 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
- 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.
At Clara youll have the autonomy speed and support to make meaningful impact not just on your team but on how organizations are run across Latin America.
Were the leading B2B fintech for spend management in Latin America.
Certified as one of the worlds 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.
#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 were proud of.
#Always Be Changing (ABC). We grow through feedback risk-taking and action.
#Inclusivity. Every voice counts. Everyone contributes to our mission.
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 youre ready for growth ownership and impact apply now and help us redefine B2B finance in Latin America.
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 dont enforce a minimum number of days for most roles but youre 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.
Required Experience:
IC
About Company
The most complete solution for your company's expense management. Control spends with Clara's Corporate Credit Card and Management Platform.
