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.
We're looking for a Risk Modeling Lead to strengthen Clara’s credit risk capabilities and contribute directly to business resilience and growth. You’ll lead the design and implementation of predictive credit risk models, working cross-functionally with Operations, Finance, and Data teams. Your insights will shape credit strategy, drive innovation, and ensure that data and analytics are central to decision-making at Clara.
Your responsibilities will include:
Leading the development and maintenance of regulatory and strategic risk models, including expected credit loss (ECL) methodologies
Supporting portfolio performance and credit strategies with robust data analysis
Driving innovation in credit risk analytics to enhance underwriting and monitoring frameworks
Monitoring model performance, proposing recalibrations, and coordinating model updates across teams
Overseeing Risk MIS: monitoring risk policies, portfolio trends, and key credit metrics
Translating data into actionable insights to inform leadership and business decisions
Implementing process improvements for greater scalability, transparency, and accuracy
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 havesAcademic background in Actuarial Science, Computer Science, Mathematics, Statistics, or a related field
Proven experience in credit risk management in Latin American markets
Advanced skills in SQL and data visualization
Experience managing the full lifecycle of risk models, from development to backtesting
Strong grasp of predictive analytics, risk methodologies, and regulatory compliance
Deep commitment to data integrity and hands-on experience with large financial datasets
Fluency in English
Ability to lead cross-functional projects and communicate clearly with senior stakeholders
Experience in fintech, especially in high-growth or startup environments
Familiarity with credit cards, payments, and B2B financial solutions
Exposure to audit processes and regulatory reporting
Understanding of financial conciliation and operational finance systems
Knowledge of Latin American regulatory standards
Experience working with collaboration tools like Slack, Notion, and Google Drive
Passion for building from scratch with a solution-oriented, collaborative mindset
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 areWe’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.
#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.
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.
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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
