Risk Analytics Lead (Líder de Analítica de Riesgo) Hybrid

Clara is looking for a Risk Analytics Lead to own the analytical engine of our Risk function globally. This role sits within the Risk team and is responsible for three interconnected domains: building and maintaining the risk models and scorecards that power credit decisions across our markets; owning Claras Model Risk Management (MRM) framework; and acting as the Risk teams lead designer for our risk data infrastructure working hand-in-hand with the Data team on its implementation.

This is a high-impact cross-functional role for someone who combines deep technical expertise in risk modeling with the judgment to govern model risk and the communication skills to bridge Risk Data and senior leadership.

What youll do

Risk Modeling

• Design develop and maintain the full suite of risk models across the credit lifecycle scorecards probability of default (PD) loss given default (LGD) exposure at default (EAD) expected credit loss (ECL) and behavioral models
• Own model backtesting performance monitoring and recalibration processes; ensure models remain fit for purpose as portfolio composition and macroeconomic conditions evolve
• Develop and maintain early warning indicators portfolio segmentation and concentration risk analytics
• Translate model outputs into actionable credit strategy inputs for Credit Policy and Portfolio Management teams

Model Risk Management (MRM)

• Design and own Claras MRM framework: model inventory model risk classification validation standards and model risk appetite
• Define and enforce model governance processes development standards independent validation approval workflows and ongoing review cadences
• Act as internal challenger on all risk models; ensure models are documented explainable and auditable
• Establish thresholds for model risk escalation and lead remediation when models breach performance benchmarks

Risk Data Infrastructure (Design)

• Partner with the Data Engineering team as the Risk domain expert and architecture co-designer for the risk data infrastructure
• Define business and analytical requirements for risk data pipelines feature stores and reporting layers; ensure the infrastructure supports both real-time decisioning and portfolio analytics needs
• Drive adoption of robust data standards within the Risk function lineage quality controls and documentation
• Translate Risks analytical roadmap into concrete data infrastructure requirements; prioritize with the Data team based on business impact

Leadership & Stakeholder Management

• Build and manage a lean high-performing Risk Analytics team; define hiring needs and grow the function as Clara scales
• Work closely with Credit Policy Credit Desk Portfolio Management and Compliance act as the technical partner that turns risk strategy into quantified models
• Present model performance MRM status and analytical insights to senior leadership and when relevant to regulators
• Champion a data-driven culture within Risk; define standards for analytical rigor and model documentation across the team

Who you are

Must haves

• Academic background in Statistics Mathematics Actuarial Science Engineering Economics or a related quantitative field
• 7 years of experience in credit risk analytics with hands-on ownership of the full model lifecycle from development and validation to production monitoring and recalibration
• Demonstrated experience building or managing a Model Risk Management framework (model inventory validation governance model risk appetite)
• Deep proficiency in Python or R for modeling and SQL for data extraction and analysis
• Experience translating model requirements into data infrastructure needs; comfortable working alongside data engineers as a domain expert and co-designer
• Strong grasp of credit risk regulation in at least one of Claras markets (CNBV/Mexico SFC/Colombia BACEN/Brazil)
• Proven ability to communicate technical concepts clearly to non-technical stakeholders including executive leadership
• Fluency in English and Spanish (Portuguese a strong plus)

Nice to haves

• Experience in B2B credit or working capital products (trade credit credit lines commercial cards)
• Familiarity with fintech or high-growth startup environments where youve had to build infrastructure and processes from scratch
• Exposure to audit processes regulatory reporting and model-related regulatory examinations
• Experience building or managing small analytics or data science teams
• Hands-on experience with MLOps tooling model monitoring platforms or feature stores
• Knowledge of Basel credit risk frameworks (IRB approaches ECL under IFRS 9)

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.