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

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. Job description We're growing our Risk squad and looking for a high-impact Credit Risk Expert in Latin America — 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 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.