Product Lead - Risk

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 Product Lead, Risk to lead our new Risk Builder squad within the Biz Ops tribe. Risk is one of the highest-leverage areas in Clara’s product portfolio; getting credit lines, identity verification, and fraud signals right is what allows us to scale rapidly across LatAm without increasing losses. As the Product Lead for this lean, high-ownership squad, you will report to the Group Product Manager and partner directly with a senior engineer, Credit Risk, Fraud, Finance, and Data Science teams. You will own the full credit lifecycle from a product perspective—balancing high-velocity execution with strict risk mitigation. Your primary responsibilities will include: - Owning the entire Risk product surface across both Acquisition and Portfolio Management, including onboarding risk checks, credit line increases/decreases, and internal tools for the Fraud Risk Operations team. - Managing the integration layer with critical Credit and Fraud Risk vendors (Decisioning Engines, Credit Bureaus, SIFT, and ID Validation Vendors), mapping gaps, and making high-impact build vs. buy decisions. - Translating complex risk model outputs into seamless product experiences by collaborating closely with Data Science and Credit Risk teams to design around model uncertainty. - Defining and tracking core business metrics, including approval rates, fraud loss rates, credit utilization, credit line adjustment accuracy, and time-to-decision. - Accelerating product delivery by writing clear PRDs, managing the product backlog, and driving cross-team alignment without relying on unnecessary meetings. - Building no-code/low-code solutions and automating workflows using tools like N8N or Oscilar. - Embracing a builder mindset by leveraging AI tools like Cursor, Claude Code, or v0 to prototype concepts, making straightforward code or configuration changes, and self-serving your own analytics dashboards. Who you are Must haves - Experience: 5+ years of experience in product management, with at least 2 years explicitly focused on risk, fraud, credit, identity, or lending-adjacent products within fintech or payment platforms. - Technical Fluency: Ability to prototype concepts using AI coding tools, familiarity with GitHub (managing branches, commits, PRs, and reading diffs), and a solid conceptual understanding of API integrations and webhook-based event flows. - Domain Knowledge: Deep understanding of credit-line mechanics (segmentation, adjustments), KYC/ID verification vendor stacks, and fraud signals (transaction blocking, step-up authentication). - Data & Analytics Literacy: Strong analytical skills with the ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards. - Execution & Communication: Exceptional verbal and written communication skills in English; a track record of moving hard business metrics (loss rates, approval rates) and managing cross-functional stakeholders across Legal, Finance, and Data Science. - Mindset: High agency, comfort with ambiguity, and an eagerness to operate in a lean, fast-paced squad with massive autonomy. Nice to haves - Working proficiency or basic knowledge of Spanish or Portuguese, with a desire to learn. - Product experience within LatAm fintech markets, specifically dealing with credit products in Mexico, Colombia, or Brazil. - Familiarity with specialized decisioning platforms (e.g., Oscilar) and local direct debit or payment rails (SPEI, Pix, ACH) and their inherent risk implications. 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.