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

Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We're building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Credit Risk Expert to work with a high-performing team of risk specialists and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company's business strategy. You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler. Your responsibilities will include: Support modeling initiatives, collaborating across teams to align with business and risk goals Drive innovation in data science analysis to enhance decision-making and operational efficiency Provide data intelligence and analytics to support credit risk strategies and portfolio performance Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses) Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters Identify and implement process enhancements to improve efficiency, scalability, and outcomes Communicate findings and recommendations clearly to senior leadership and key stakeholders Non-negotiable Requirements Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design Proven strong experience in credit risk management in Latin American markets Advanced proficiency in SQL and data visualization tools High attention to data quality and integrity, especially within financial datasets Proficient in sql or other common modeling languages Fluency in english is required Main professional skills Strong project management and cross-functional coordination skills of high-impact data science or modeling projects Hands-on experience in credit risk portfolio management Proficient in using robust data as input of data driven analysis pipelines and model architectures Strong skills in predictive analytics and business-driven model design Experienced in model monitoring, backtesting, and performance evaluation Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses Passion for working in teamwork, independence and going to extra mile You’ll get some high value extra points if you have Fintech industry experience, ideally in fast-paced, high-growth environments Experience navigating financial audits, understanding documentation and compliance expectations Understanding of financial conciliation processes and operational finance systems Exposure to credit card and payments ecosystems A collaborative, solution-oriented mindset with a passion for building from scratch Familiarity with Latin American regulatory and compliance standards Comfortable using modern collaboration tools (Slack, Notion, etc.) Experience in credit risk in Latinamerica working with B2B solutions Why join Clara At Clara, you'll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America. Who we are We're the leading B2B fintech for spend management in Latin America. Certified as one of the world's 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. What we believe in #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 we're proud of. #Always Be Changing (ABC). We grow through feedback, risk‑taking, and action. #Inclusivity. Every voice counts. Everyone contributes to our mission. What we offer 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 Clara's Hybrid Policy 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 don't enforce a minimum number of days for most roles, but you're 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. #J-18808-Ljbffr