Credit Risk Expert

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June 23

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Clara

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Clara is the leading spend management platform for companies in Latin America.

201 - 500 employees

📋 Description

• We’re looking for a Credit Risk Expert to help shape how Clara manages and scales risk in Latin America. You’ll work closely with a high-performing team of risk specialists, data scientists, and business partners to build predictive credit models and enable high-quality, data-driven decision-making. • This role is instrumental in aligning credit strategies with business goals. You’ll drive innovation across our risk frameworks, help design and monitor model performance, and ensure Clara’s credit operations remain robust, scalable, and compliant. Your work will directly impact business growth, resilience, and the health of our credit portfolio. • Lead and support the development of regulatory and non-regulatory credit risk models (e.g., expected credit losses) • Drive innovation in predictive analytics and modeling frameworks that enhance decision-making and operational efficiency • Own the Risk MIS: monitor credit policy performance, model outcomes, and portfolio trends • Collaborate across Operations, Finance, and Data teams to align risk strategies with broader business priorities • Ensure model monitoring, backtesting, and recalibration routines are best-in-class • Provide clear insights and recommendations to senior leadership on portfolio performance and risk exposure • Continuously improve data and modeling processes for scalability, accuracy, and compliance • Maintain rigorous standards of data quality, documentation, and model governance

🎯 Requirements

• Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or similar • Proven experience in credit risk management in Latin American markets • Strong proficiency in SQL and data visualization tools such as Metabase • Deep familiarity with predictive modeling, risk reporting, and model performance evaluation • Experience building and maintaining credit risk methodologies • Fluency in English and Portuguese • Excellent cross-functional project management and communication skills • Experience in Fintech, especially in fast-paced or early-stage environments (nice to have) • Exposure to credit card and payments ecosystems (nice to have) • Familiarity with Latin American regulatory frameworks for credit losses (nice to have) • Experience supporting financial audits and compliance documentation (nice to have) • Working knowledge of Slack, Notion, or similar collaboration tools (nice to have) • Understanding of financial conciliation or operational finance processes (nice to have) • Spanish proficiency or interest in learning (nice to have)

🏖️ Benefits

• 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