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Clara is Latin America's leading platform for corporate payments, serving 50,000+ businesses with corporate cards, bill pay, financing, and B2B payments. The company was named the region's fastest-growing by the Financial Times in 2025 and is backed by top-tier investors including Notable Capital, Coatue, Kaszek, DST Global, and Goldman Sachs.
You will lead the credit analysis function for Clara's B2B clients in Brazil, owning the entire credit decision lifecycle from intake through maintenance. You'll manage a team of credit analysts responsible for assessing companies and recommending credit lines, ensuring quality, speed, and consistency across all credit decisions.
Key responsibilities include:
**Team Leadership**: Lead, coach, and develop credit analysts through hiring, onboarding, training, and calibration. Own daily desk operations including intake, triage, prioritization, queue management, and SLA adherence. Run credit approval cadences and serve as escalation point for complex or high-exposure cases.
**Credit Analysis**: Analyze Brazilian companies' financial health using financial statements (DRE, balanço, DFC), cash flow trends, leverage, liquidity, and working capital cycles. Read economic groups including parent entities, related parties, and cross-exposures. Interpret Brazilian credit bureau and public data, understanding limitations and false positives. Issue or recommend credit limits and terms within delegated authority; escalate above authority. Handle review triggers including renewals, limit changes, and deterioration signals.
**Strategic Input**: Act as the front-line voice for credit strategy, surfacing patterns, edge cases, and segment realities to policy and portfolio teams. Provide data-backed feedback on policy, rules, and scorecard adjustments. Track approval rates, turnaround times, override rates, and decline distributions. Flag early deterioration signs for portfolio monitoring teams.
**Automation & Simplification**: Partner with Product, Data, and Engineering to automate bureau pulls, decision rules, and scorecards. Continuously redraw the line between auto-approved and analyst-reviewed cases. Build lightweight analyses and tools (AI-assisted coding, scripts, no-code/low-code) to scale the team without adding headcount.
You'll work closely with Sales, Risk, Product/Data, and Collections to maintain fast credit flow, portfolio health, and scalable workflows. This is a hybrid role with flexible office attendance; most days in the office during ramp-up or as directed by leadership.
**Requirements:**
- 5+ years in credit risk / corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis
- 2+ years leading or coordinating a credit analysis team (manager, coordinator, or supervisor) with a track record of developing analysts
- Deep working knowledge of Brazilian credit bureau data and scoring, including strengths and limitations of each source
- Experience working within credit policy and approval alçadas, with strong instinct for challenging cases
- Advanced spreadsheet skills; ideally SQL and BI tools (Looker, Metabase, Tableau) to pull and validate numbers
- Hands-on comfort with tooling: able to build small automations, scripts, or internal tools (AI-assisted coding, no-code/low-code) to remove manual work
- Strong written communication and attention to detail; able to defend decisions to commercial and risk stakeholders
**Preferred qualifications:**
- Fintech or B2B credit scale-up experience in LATAM, lending to SMEs and mid-market
- Exposure to scorecard/model development, monitoring, and credit model governance
- Familiarity with Google Workspace, Zendesk, and HubSpot (or similar)
- Spanish (or willingness to learn)
