Clara is the leading platform in Latin America for companies to execute and manage every payment operation. More than 50,000 leading and fast-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region’s fastest-growing company. We’re passionate about helping every company we work with become more effective—and, through that, raising the region’s competitiveness. We’re ~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others.
Job description
We're growing our Risk squad and looking for a high-impact Credit Risk Expert in Latin America — if you or someone you know thrives at the intersection of credit, data, technology, and fintech, keep reading.
Senior Credit Risk & Portfolio Strategy ManagerA hands-on, strategic role for someone who can understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.
- You'll own portfolio risk monitoring, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators
- You'll identify emerging risks and opportunities, perform root-cause analysis, and translate findings into concrete portfolio actions
- You'll design, implement, and measure credit strategies across the customer lifecycle, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies
- You'll monitor and challenge credit models and decision strategies, analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions
- You'll use SQL and Python to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies
- You'll use AI and automation to build smarter and more scalable Risk processes and tools. We're looking for someone who enjoys experimenting, coding, and finding better ways to solve problems
- You'll monitor portfolio risk appetite, concentrations, covenants, and management indicators, translating complex portfolio dynamics into clear recommendations for senior stakeholders
- You'll work cross-functionally with Data, Product, Engineering, Finance, Operations, and Collections to take initiatives from analysis through implementation
- We're looking for a true builder mindset: someone analytical and technically strong who doesn't stop at reporting a problem, but wants to understand it, design a solution, build it, and measure whether it worked
- 5+ years of experience in Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles. Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios is a strong plus
- Strong SQL + Python skills and fluency in English required. Spanish and/or Portuguese are highly valued
If you think you're a good fit — or know someone who is — apply or send me a message!
São Paulo, CDMX, Bogotá | Hybrid
Where we work
This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.
- A high talent-density team driven to make an impact in Latin America — low ego, high ownership.
- Competitive salary and stock options (ESOP) from day one.
- An annual learning budget and accelerated development paths.
- English is our working language, with Spanish and Portuguese every day.
- Clarity — Open and direct communication: we say what we mean and give context where it matters.
- Simplicity — If it can be simpler, it should be.
- Ownership — We own everything we do, end to end. When something needs to happen, we don't wait.
- Pride — We hold ourselves to a high standard, and it shows in what we deliver.
- ABC (Always Be Changing) — We adapt fast, embrace change, and keep learning.
- Inclusivity — Diverse ideas, stories and perspectives build a better Clara.
If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.
Skills Required
- Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field
- Hands-on portfolio-level credit risk experience, including PD, LGD, EAD, ECL, vintage analysis, and roll rates
- Daily SQL and Python or R programming experience
- Experience designing credit line management strategies, including CLI/CLD campaigns, limit reviews, and exposure control
- Strong data visualization skills
- Experience in Latin American credit markets
- English fluency
- Experience in fintech or high-growth environments
- Exposure to credit card and payments ecosystems
- Familiarity with Latin American regulatory frameworks for provisioning
- Hands-on experience with AI tools, workflow automation such as n8n, AI agents, or chatbots applied to risk processes
- Experience supporting financial audits
Clara Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Clara and has not been reviewed or approved by Clara.
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Equity Value & Accessibility — Equity grants are emphasized across several descriptions, with stock options commonly included and in some instances available from day one. Feedback suggests this ownership component is a meaningful part of total rewards.
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Leave & Time Off Breadth — Time off offerings are portrayed as flexible, including references to flexible vacation and flexible time off policies. Feedback suggests this supports work–life balance for many roles.
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Wellbeing & Lifestyle Benefits — Wellness support is cited through mental‑health platforms, coaching and meditation programs, and monthly wellness reimbursements in some contexts. Feedback suggests these offerings complement core benefits where available.
Clara Insights
What We Do
Clara is the leading payment platform for companies in Latin America. Our end-to-end solution includes our locally-issued corporate cards, Bill Pay, crossborder payments, and our highly-rated software platform used by thousands of the most successful companies across the region. Clara is backed by top global and regional investors such as Coatue, DST Global, General Catalyst, monashees, Kaszek, Canary, A*, BoxGroup, SV Angel, GFC, Picus Capital, Avid Ventures, ICONIQ Growth, Goldman Sachs, and prominent angel investors. Driven by our six core values (Ownership, Pride, ABC, Simplicity, Clarity and Inclusivity) we’ve reached a unicorn valuation in record time, have been recognized as a Great Place to Work and as one of the most promising startups according to Linkedin’s ranking “Top Startups 2021”. We’re looking for the best talent worldwide to join our team and be part of this journey, so you can't afford to miss this chance! We are: * Shaping business finances in Latin America * Driven by our 6 core values * Proud of our inclusive and caring culture * Certified as a Great Place to Work and a Top LinkedIn Startup
