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Clara is a fast-growing fintech company in Latin America providing payment solutions, corporate cards, bill pay, and financing to over 20,000 businesses. The company is backed by top-tier investors including Kaszek, Monashees, Coatue, and General Catalyst.
As a Credit Policy Specialist, you will design, implement, and optimize credit strategies that directly impact growth, risk, and customer experience. This role sits at the intersection of data, risk, and business, owning key levers such as credit policies, limit-setting frameworks, and decision rules.
Key responsibilities include:
- Own credit strategy design: Define and evolve underwriting policies, approval criteria, and limit-setting frameworks
- Translate data into decisions: Leverage analytics and model outputs to drive actionable credit rules
- Optimize portfolio performance: Balance approval rates, revenue, and loss rates through continuous strategy iteration
- Design decision frameworks: Build and refine rules for acquisition, line increases, and ongoing exposure management
- Monitor and react to performance: Track key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly
- Drive experimentation: Run A/B tests and controlled rollouts to improve credit outcomes
- Improve processes: Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using automation tools like N8N
- Collaborate cross-functionally: Work with Product, Data, and Growth teams to align credit strategy with business goals, utilizing Metabase or Databricks for data visualization and analysis
You will work closely with Data, Operations, and Commercial teams to ensure responsible scaling while maximizing approval rates and portfolio performance. Your work will directly influence approval decisions, lending amounts, and dynamic risk management across the customer lifecycle.
