Credit Risk Expert (Experto/a en Riesgo de Credito)

<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><div><strong>Credit Risk Expert – Latin America</strong></div> <div><br><strong>This role in one line</strong><br>You'll live in the data — SQL, Python, models, and strategy — turning portfolio signals into decisions that directly shape how Clara grows and manages risk across Latin America.</div> <div>&nbsp;</div> <div><img src="https://a.slack-edge.com/production-standard-emoji-assets/16.0/apple-medium/26a0-fe0f@2x.png" alt=":advertencia:" aria-label="Emoji advertencia" data-stringify-emoji=":warning:" style="max-width: 100%;"> <strong>This is an individual contributor role with no direct reports.</strong> The impact here comes from your own hands and your own thinking, not from managing others. If that excites you, keep reading.</div> <div><br><br><strong>What you'll do</strong><br>You'll be deep in the data every single day. This means writing complex queries, building and maintaining credit risk models, and turning portfolio signals into concrete strategies — all by yourself, not through a team.</div> <ul> <li>Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations</li> <li>Support the built, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL</li> <li>Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it</li> <li>Design and execute credit line management strategies (CLI/CLD campaigns, proactive limit reviews, exposure optimization) — from the data pull to the recommendation</li> <li>Develop credit strategies and decision frameworks that feed directly into automated lending decisions</li> <li>Use AI tools and workflow automation to improve how risk processes run — you'll be expected to experiment and build, not just observe</li> <li>Translate your own analysis into clear insights for senior leadership</li> <li>Ensure compliance with provisioning standards and model governance frameworks</li> </ul> <div><br><strong>Who you are</strong><br><strong>Must haves</strong></div> <ul> <li>Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field</li> <li>Proven hands-on experience in portfolio-level credit risk: PD, LGD, EAD, ECL, vintage analysis, roll rates</li> <li>You write SQL and Python (or R) every day — this is non-negotiable</li> <li>Experience designing credit line management strategies: CLI/CLD campaigns, limit reviews, exposure control</li> <li>Strong data visualization skills</li> <li>Experience in Latin American credit markets</li> <li>English fluency</li> <li>You love operating and being strategic at the same time</li> </ul> <div><strong>Nice to haves</strong></div> <ul> <li>Experience in fintech or high-growth environments</li> <li>Exposure to credit card and payments ecosystems</li> <li>Familiarity with Latin American regulatory frameworks for provisioning</li> <li>Hands-on experience with AI tools: workflow automation (e.g. n8n), AI agents, or chatbots applied to risk processes</li> <li>Experience supporting financial audits</li> </ul> <blockquote>&nbsp;<strong>Important:</strong> This role is 100% focused on portfolio-level credit risk and quantitative modeling. Profiles from product management, capital markets, liquidity risk, or individual credit underwriting (case-by-case) do not meet the requirements.</blockquote> <p>&nbsp;</p><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>