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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 Goldman Sachs.
You will be a senior individual contributor focused entirely on portfolio-level credit risk and quantitative modeling. This is a hands-on role where you live in the data every day, writing SQL and Python to analyze portfolio behavior, delinquency trends, vintage curves, and risk concentrations.
Key responsibilities include:
- Write and maintain SQL and Python code daily to analyze portfolio metrics, roll rates, and risk concentrations
- Build, validate, and recalibrate credit risk models (PD, LGD, EAD, ECL)
- Own the Credit Risk MIS end-to-end: build, maintain, and improve it
- Design and execute credit line management strategies (CLI/CLD campaigns, limit reviews, exposure optimization)
- Develop credit strategies and decision frameworks that feed into automated lending decisions
- Leverage AI tools and workflow automation to improve risk processes
- Translate analysis into clear insights for senior leadership
- Ensure compliance with provisioning standards and model governance frameworks
You must have a quantitative academic background (Actuarial Science, Mathematics, Statistics, Computer Science), proven hands-on experience in portfolio-level credit risk, daily proficiency in SQL and Python/R, experience designing credit line management strategies, strong data visualization skills, experience in Latin American credit markets, and English fluency. Nice-to-haves include fintech experience, exposure to credit card and payments ecosystems, familiarity with Latin American regulatory frameworks, hands-on AI tools experience, and audit support experience.
This is explicitly an individual contributor role with no direct reports. Impact comes from your own analysis and thinking, not from managing others.
