Clara
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.
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Credit Policy Expert (Experto/a en política de Crédito) – LatAm
Share this job
Ready to accelerate your career?
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.
About the Role
We're looking for a Credit Policy Expert to help define and evolve Clara's credit strategy as we continue to scale across Latin America.
This is a senior individual contributor role on our Risk team, reporting to the Head of Credit Risk. You'll own the design, execution, and continuous improvement of our credit policies — balancing portfolio growth with responsible risk management across our key markets (Mexico, Brazil, and Colombia).
This is not a support role. You'll be a decision-maker and a builder. You'll have direct influence over how we extend credit to thousands of businesses across the region, and your work will be visible at the highest levels of the company.
In your first 12 months, you'll:
- Own and maintain Clara's credit approval policies and limit-setting frameworks for corporate clients across LatAm
- Define segmentation criteria and risk appetite thresholds by market, product, and client profile
- Partner with Data Science to develop and improve origination scorecards and behavioral models
- Lead credit policy reviews driven by portfolio performance data, economic signals, and product changes
- Work cross-functionally with Product, Finance, and Go-to-Market to ensure credit strategy enables growth
- Build and leverage AI-assisted tools to automate policy decisions and improve the speed and accuracy of credit assessments
- Translate complex risk analytics into clear, actionable recommendations for senior leadership
Who you are
We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.
Must haves
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5+ years in a data-driven role within financial services, with direct experience in credit risk analytics, policy design, or acquisition strategy
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Strong grasp of statistical modeling, risk assessment techniques, and predictive analytics
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Hands-on experience with SQL, Python, or equivalent analytical tools
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Demonstrated ability to translate complex analytics into clear business actions
- Comfortable partnering with Data Science teams and understanding model outputs
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Bachelor's degree in Statistics, Data Science, Economics, Finance, or a related field
-
Fluent in English and Spanish
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Thrives in fast-paced, high-ambiguity environments
Nice to haves
-
Familiarity with AI tools to automate or optimize decision-making
-
Background in a high-growth startup or fintech environment
- Familiarity with the credit regulatory landscape in Mexico, Brazil, or Colombia
-
Basic Portuguese or a willingness to learn
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
If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.
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.
Ready to apply?
Apply to Clara
Ready to accelerate your career?
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 Strategy Specialist to design, implement, and optimize credit strategies that directly impact growth, risk, and customer experience. This role sits at the intersection of data, risk, and business, owning key levers such as credit policies, limit-setting frameworks, and decision rules. You will work closely with Data, Operations, and Commercial teams to ensure we scale responsibly while maximizing approval rates and portfolio performance.
Your work will directly influence who we approve, how much we lend, and how we manage risk dynamically across the lifecycle.
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Own credit strategy design: Define and evolve underwriting policies, approval criteria, and limit-setting frameworks.
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Translate data into decisions: Leverage analytics and model outputs to drive actionable credit rules.
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Optimize portfolio performance: Balance approval rates, revenue, and loss rates through continuous strategy iteration.
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Design decision frameworks: Build and refine rules for acquisition, line increases, and ongoing exposure management.
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Monitor and react to performance: Track key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly.
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Drive experimentation: Run A/B tests and controlled rollouts to improve credit outcomes.
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Improve processes: Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using tools like N8N for automation where applicable.
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Collaborate cross-functionally: Work with Product, Data, and Growth teams to align credit strategy with business goals, utilizing Metabase or Databricks for data visualization and analysis.
Who you are
“We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.”
Must haves
-
3+ years of experience in credit risk, strategy, or analytics within financial services or fintech.
-
Strong understanding of credit risk fundamentals (underwriting, exposure, loss drivers, portfolio dynamics).
-
Proven experience in credit policy design and implementation.
-
Advanced SQL skills and strong data intuition.
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Experience working with large datasets and analytical tools like Databricks.
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Working proficiency in English and Portuguese.
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Experience or interest in AI tools to automate workflows.
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Adaptability to fast-changing environments and excellent verbal and written communication.
Nice to haves
-
Experience in B2B lending, corporate cards, or fintech environments.
-
Exposure to Latin American markets and their specific data limitations.
-
Familiarity with decision engines or rule-based systems.
-
Independent analytical skills using Python.
-
A good sense of humor.
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
If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.
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.
Ready to apply?
Apply to Clara
Credit Risk Expert (Experto/a en Riesgo de Credito)
Share this job
Ready to accelerate your career?
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 help shape how Clara manages and scales credit risk across Latin America. You'll work closely with a high-performing team of risk specialists, data scientists, and business partners to build predictive credit risk models and drive portfolio-level risk management.
This role is not focused on individual credit analysis or financial operations. Instead, you'll think at the portfolio level — identifying trends, stress-testing frameworks, and ensuring our credit risk strategies are robust, scalable, and data-driven. Your work will directly impact the health of Clara's credit portfolio and the company's long-term resilience.
Your key responsibilities
- Build, validate, and maintain credit risk models including PD (Probability of Default), LGD (Loss Given Default), EAD (Exposure at Default), and ECL (Expected Credit Loss)
- Own the Credit Risk MIS: monitor portfolio-level KPIs, track delinquency trends, vintage curves, roll rates, and risk concentrations
- Design and execute model monitoring, backtesting, and recalibration routines to ensure model performance over time
- Develop and continuously improve credit risk scorecards and decision frameworks that support automated, scalable lending decisions
- Translate complex portfolio risk data into clear insights and recommendations for senior leadership
- Collaborate with Data, Product, and Operations teams to align credit risk strategies with broader business priorities
- Ensure compliance with credit loss provisioning standards and internal model governance frameworks
- Design and execute credit line management strategies: credit limit increase (CLI) and decrease (CLD) campaigns, proactive limit reviews, and exposure optimization across the portfolio
- Define segmentation criteria and risk-based rules for credit line campaigns, balancing growth and risk appetite
- Drive innovation in predictive analytics and risk reporting to support data-driven decision-making at scale
Who you are
We're looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.
Must haves
- Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field
- Proven experience in credit risk management — specifically in portfolio risk analysis, credit risk modeling, and risk indicators (PD, LGD, EAD, ECL, vintage analysis, roll rates)
- Hands-on experience with SQL and Python or R for data analysis and model development
- Strong proficiency in data visualization tools
- Hands-on experience designing credit line management strategies: CLI/CLD campaigns, proactive limit reviews, and exposure control at portfolio level
- Experience building and maintaining credit risk methodologies and governance documentation
- Proven experience in Latin American credit markets
- Fluency in English
- Excellent cross-functional communication and project management skills
⚠️ Important: This role focuses on portfolio-level credit risk and quantitative modeling. Experience exclusively in finance, capital markets, liquidity risk, or individual credit operations (case-by-case underwriting) does not meet the requirements for this position.
Nice to haves
- Experience in Fintech, especially in fast-paced or high-growth environments
- Exposure to credit card and payments ecosystems
- Familiarity with Latin American regulatory frameworks for credit loss provisioning
- Experience supporting financial audits and compliance documentation
- Experience with AI-powered automation tools such as workflow automation platforms (e.g., n8n), AI agents, or chatbots applied to risk or operational processes
- Working knowledge of Slack, Notion, or similar collaboration tools
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
If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.
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.
Ready to apply?
Apply to Clara