Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

Clara is the leading platform in Latin America for companies to execute and manage every payment operation. More than 50,000 leading and fast-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region’s fastest-growing company. We’re passionate about helping every company we work with become more effective—and, through that, raising the region’s competitiveness. We’re ~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, 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 Where we work This is a remote-first role: you'll work from home day to day. You'll ramp up in person with the team, and come together in person for team moments, events and customer visits through the year. 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. If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.