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Clara, the fastest-growing fintech company in Latin America, is seeking a Credit Risk Expert to join its high-performing risk team. Clara provides comprehensive payment solutions—corporate cards, bill pay, financing, and a B2B platform—serving over 20,000 large and growing businesses across the region. The company is backed by top-tier investors including Kaszek, Monashees, Coatue, DST Global, and Goldman Sachs.
In this role, you will drive innovation in credit risk analysis and decision-making, working closely with Operations, Finance, and Data teams to shape business strategy. You'll own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses), support advanced predictive modeling initiatives, and oversee risk monitoring (MIS) and policy performance. Your responsibilities include:
• Collaborate on modeling initiatives aligned with business and risk objectives
• Drive innovation in data analysis to enhance credit decision-making and operational efficiency
• Provide data intelligence and analytics supporting credit risk strategies and portfolio performance
• Develop and maintain regulatory and non-regulatory risk methodologies
• Monitor model performance, identify gaps, and drive continuous improvements and recalibrations
• Own the Risk MIS function: monitor risk policies and credit risk performance metrics
• Identify and implement process enhancements to improve efficiency, scalability, and outcomes
• Communicate findings and strategic recommendations to senior leadership and stakeholders
Required qualifications include an academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar field with strong programming and systems design knowledge. You must have proven experience in credit risk management within Latin American markets, advanced SQL proficiency, expertise with data visualization tools, and meticulous attention to data quality and integrity in financial datasets. Fluency in English is required. This is a senior individual contributor role offering the opportunity to directly impact business growth, resilience, and risk control at a high-growth, venture-backed fintech leader.
