Control Desk & Credit Analyst (Analista de Mesa de Controle e Crédito) – São Paulo (Hybrid)

Clara is the leading spend management platform in Latin America. More than 40,000 businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the fastest-growing company in Latin America. We're ~400 people, backed by Kaszek, monashees, Coatue, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others. What you'll do We're looking for a Control Desk & Credit Analyst to support the safe and scalable growth of Clara's portfolio in Brazil. This role is essential to ensuring the effectiveness of our automated onboarding flows, while applying rigorous KYC, KYB, and CDD standards to business customer accounts. You'll work in close partnership with Sales, Compliance, and Customer teams, ensuring that onboarding processes are completed efficiently and accurately—without compromising on quality. This role requires a strong analytical mindset and a collaborative approach, as you'll be helping build scalable internal controls that support Clara’s long-term growth. Key responsibilities: - Monitor and review onboarding processes to ensure accuracy and adherence to internal controls. - Collaborate with Sales and other Customer-facing teams to complete timely and thorough KYC/KYB and CDD reviews. - Flag and escalate inconsistencies or risks in real time, ensuring we meet our internal SLAs and compliance standards. - Maintain up-to-date knowledge of policies and procedures, and contribute to a culture of continuous improvement. - Work cross-functionally to identify bottlenecks or risks and support automation and process enhancements. Who you are Must haves - Minimum 3 years of experience in Financial Analysis, Credit Risk Assessment, KYC, CDD, or related risk and compliance functions. - Strong analytical rigor to credit evaluation - Proven ability to interpret financial statements (Balance Sheet, Income Statement, Cash Flow) for credit decision-making. - Strong proficiency in Excel and confidence working with large datasets and financial indicators. - Solid numerical skills and an analytical mindset, capable of connecting metrics to risk exposure. - Intermediate English proficiency and working proficiency in Portuguese. - Familiarity with AI tools to automate workflows and improve analysis efficiency. Nice to haves - Experience in a high-growth startup or tech-driven financial institution. - Basic proficiency in Spanish, or the motivation to learn. - Exposure to quantitative models (e.g., Z-Score, logistic regression) for solvency prediction. - Independent analytical skills using spreadsheets or BI tools. 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. Hybrid at Clara Claridians split their time between the office, customers and home. We don't set a minimum number of office days for most roles, but we expect you to spend time there naturally, and most days during your ramp-up or when your leader asks. If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.