Credit Policy Specialist – LatAm

<div class="content-intro"><h2><strong data-start="314" data-end="386">Ready to accelerate your career?</strong></h2> <div> <p data-start="563" data-end="823">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.</p> <p data-start="563" data-end="823">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.&nbsp;<br><br>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.</p> </div></div><h3 data-path-to-node="1"><strong data-path-to-node="1" data-index-in-node="0">What you'll do</strong></h3> <p data-path-to-node="2">We're looking for a <strong data-path-to-node="2" data-index-in-node="20">Credit Strategy Specialist</strong> 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.</p> <p data-path-to-node="3">Your work will directly influence who we approve, how much we lend, and how we manage risk dynamically across the lifecycle.</p> <ul data-path-to-node="4"> <li> <p data-path-to-node="4,0,0"><strong data-path-to-node="4,0,0" data-index-in-node="0">Own credit strategy design:</strong> Define and evolve underwriting policies, approval criteria, and limit-setting frameworks.</p> </li> <li> <p data-path-to-node="4,1,0"><strong data-path-to-node="4,1,0" data-index-in-node="0">Translate data into decisions:</strong> Leverage analytics and model outputs to drive actionable credit rules.</p> </li> <li> <p data-path-to-node="4,2,0"><strong data-path-to-node="4,2,0" data-index-in-node="0">Optimize portfolio performance:</strong> Balance approval rates, revenue, and loss rates through continuous strategy iteration.</p> </li> <li> <p data-path-to-node="4,3,0"><strong data-path-to-node="4,3,0" data-index-in-node="0">Design decision frameworks:</strong> Build and refine rules for acquisition, line increases, and ongoing exposure management.</p> </li> <li> <p data-path-to-node="4,4,0"><strong data-path-to-node="4,4,0" data-index-in-node="0">Monitor and react to performance:</strong> Track key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly.</p> </li> <li> <p data-path-to-node="4,5,0"><strong data-path-to-node="4,5,0" data-index-in-node="0">Drive experimentation:</strong> Run A/B tests and controlled rollouts to improve credit outcomes.</p> </li> <li> <p data-path-to-node="4,6,0"><strong data-path-to-node="4,6,0" data-index-in-node="0">Improve processes:</strong> Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using tools like <strong data-path-to-node="4,6,0" data-index-in-node="118">N8N</strong> for automation where applicable.</p> </li> <li> <p data-path-to-node="4,7,0"><strong data-path-to-node="4,7,0" data-index-in-node="0">Collaborate cross-functionally:</strong> Work with Product, Data, and Growth teams to align credit strategy with business goals, utilizing <strong data-path-to-node="4,7,0" data-index-in-node="130">Metabase</strong> or <strong data-path-to-node="4,7,0" data-index-in-node="142">Databricks</strong> for data visualization and analysis.</p> </li> </ul> <hr data-path-to-node="5"> <h3 data-path-to-node="6"><strong data-path-to-node="6" data-index-in-node="0">Who you are</strong></h3> <p data-path-to-node="7"><em data-path-to-node="7" data-index-in-node="0">“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.”</em></p> <h4 data-path-to-node="8"><strong data-path-to-node="8" data-index-in-node="0">Must haves</strong></h4> <ul data-path-to-node="9"> <li> <p data-path-to-node="9,0,0">3+ years of experience in credit risk, strategy, or analytics within financial services or fintech.</p> </li> <li> <p data-path-to-node="9,1,0">Strong understanding of credit risk fundamentals (underwriting, exposure, loss drivers, portfolio dynamics).</p> </li> <li> <p data-path-to-node="9,2,0">Proven experience in credit policy design and implementation.</p> </li> <li> <p data-path-to-node="9,3,0">Advanced <strong data-path-to-node="9,3,0" data-index-in-node="9">SQL</strong> skills and strong data intuition.</p> </li> <li> <p data-path-to-node="9,4,0">Experience working with large datasets and analytical tools like <strong data-path-to-node="9,4,0" data-index-in-node="65">Databricks</strong>.</p> </li> <li> <p data-path-to-node="9,5,0">Working proficiency in English and Portuguese.</p> </li> <li> <p data-path-to-node="9,6,0">Experience or interest in AI tools to automate workflows.</p> </li> <li> <p data-path-to-node="9,7,0">Adaptability to fast-changing environments and excellent verbal and written communication.</p> </li> </ul> <h4 data-path-to-node="10"><strong data-path-to-node="10" data-index-in-node="0">Nice to haves</strong></h4> <ul data-path-to-node="11"> <li> <p data-path-to-node="11,0,0">Experience in B2B lending, corporate cards, or fintech environments.</p> </li> <li> <p data-path-to-node="11,1,0">Exposure to Latin American markets and their specific data limitations.</p> </li> <li> <p data-path-to-node="11,2,0">Familiarity with decision engines or rule-based systems.</p> </li> <li> <p data-path-to-node="11,3,0">Independent analytical skills using <strong data-path-to-node="11,3,0" data-index-in-node="36">Python</strong>.</p> </li> <li> <p data-path-to-node="11,4,0">A good sense of humor.</p> </li> </ul><div class="content-conclusion"><h2 data-start="172" data-end="190"><strong data-start="172" data-end="190">Why join Clara</strong></h2> <p data-start="192" data-end="352">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.</p> <h4 data-start="354" data-end="368"><strong data-start="354" data-end="368">Who we are</strong></h4> <ul data-start="370" data-end="902"> <li data-start="370" data-end="446"> <p data-start="372" data-end="446">We’re the leading <strong data-start="390" data-end="426">B2B fintech for spend management</strong> in Latin America.</p> </li> <li data-start="447" data-end="568"> <p data-start="449" data-end="568">Certified as one of the world's fastest-growing companies, a <strong data-start="510" data-end="533">Great Place to Work</strong>, and a <strong data-start="541" data-end="565">LinkedIn Top Startup</strong>.</p> </li> <li data-start="569" data-end="643"> <p data-start="571" data-end="643">Passionate about making Latin America more prosperous and competitive.</p> </li> <li data-start="644" data-end="749"> <p data-start="646" data-end="749">Constantly innovating to build financial infrastructure that enables each of our customers to thrive.</p> </li> <li data-start="750" data-end="837"> <p data-start="752" data-end="837">Product-led, high-talent-density culture — designed for builders who raise the bar.</p> </li> <li data-start="838" data-end="902"> <p data-start="840" data-end="902">Proud of our open, inclusive, and values-driven environment.</p> </li> </ul> <h4 data-start="904" data-end="926"><strong data-start="904" data-end="926">What we believe in</strong></h4> <ul data-start="928" data-end="1366"> <li data-start="928" data-end="995"> <p data-start="930" data-end="995"><strong data-start="930" data-end="943">#Clarity.</strong> We say things clearly, directly, and proactively.</p> </li> <li data-start="996" data-end="1065"> <p data-start="998" data-end="1065"><strong data-start="998" data-end="1014">#Simplicity.</strong> We reduce noise to focus on what really matters.</p> </li> <li data-start="1066" data-end="1135"> <p data-start="1068" data-end="1135"><strong data-start="1068" data-end="1083">#Ownership.</strong> We take responsibility and never wait to be told.</p> </li> <li data-start="1136" data-end="1201"> <p data-start="1138" data-end="1201"><strong data-start="1138" data-end="1149">#Pride.</strong> We build products and experiences we’re proud of.</p> </li> <li data-start="1202" data-end="1287"> <p data-start="1204" data-end="1287"><strong data-start="1204" data-end="1234">#Always Be Changing (ABC).</strong> We grow through feedback, risk-taking, and action.</p> </li> <li data-start="1288" data-end="1366"> <p data-start="1290" data-end="1366"><strong data-start="1290" data-end="1307">#Inclusivity.</strong> Every voice counts. Everyone contributes to our mission.</p> </li> </ul> <h4 data-start="1368" data-end="1385"><strong data-start="1368" data-end="1385">What we offer</strong></h4> <ul data-start="1387" data-end="1837"> <li data-start="1387" data-end="1451"> <p data-start="1389" data-end="1451">Competitive salary and stock options (<strong data-start="1427" data-end="1435">ESOP</strong>) from day one</p> </li> <li data-start="1452" data-end="1559"> <p data-start="1454" data-end="1559">Multicultural team with daily exposure to <strong data-start="1496" data-end="1532">Portuguese, Spanish, and English</strong> (our corporate language)</p> </li> <li data-start="1560" data-end="1629"> <p data-start="1562" data-end="1629">Annual learning budget and internal accelerated development paths</p> </li> <li data-start="1630" data-end="1716"> <p data-start="1632" data-end="1716">High-ownership environment: we move fast, learn fast, and raise the bar — together</p> </li> <li data-start="1717" data-end="1770"> <p data-start="1719" data-end="1770">Smart, ambitious teammates — low ego, high impact</p> </li> <li data-start="1771" data-end="1837"> <p data-start="1773" data-end="1837">Flexible vacation and <strong data-start="1795" data-end="1816">hybrid work model</strong> focused on results</p> </li> </ul> <p data-start="1839" data-end="1951">If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.</p> <p data-start="1839" data-end="1951">&nbsp;</p> <hr> <h4 data-start="134" data-end="159">Clara’s Hybrid Policy</h4> <p data-start="161" data-end="511">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.</p> <p data-start="513" data-end="715">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.</p></div>