Clara · 2 months ago
Credit Risk Expert (Experto/a en Riesgo de Credito) – Remote
United States
Full-time
Remote
Senior LevelClara is the fastest-growing company in Latin America, providing a leading solution for managing payments. The Credit Risk Expert will play a crucial role in shaping Clara's risk management strategies, driving innovation in credit models, and ensuring compliance and scalability in credit operations.
BillingEnterprise SoftwareFinancial ServicesFinTechPayments
Responsibilities
Lead and support the development of regulatory and non-regulatory credit risk models (e.g., expected credit losses)
Drive innovation in predictive analytics and modeling frameworks that enhance decision-making and operational efficiency
Own the Risk MIS: monitor credit policy performance, model outcomes, and portfolio trends
Collaborate across Operations, Finance, and Data teams to align risk strategies with broader business priorities
Ensure model monitoring, backtesting, and recalibration routines are best-in-class
Provide clear insights and recommendations to senior leadership on portfolio performance and risk exposure
Continuously improve data and modeling processes for scalability, accuracy, and compliance
Maintain rigorous standards of data quality, documentation, and model governance
Qualification
Required
Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or similar
Proven experience in credit risk management in Latin American markets
Strong proficiency in SQL and data visualization tools such as Metabase
Deep familiarity with predictive modeling, risk reporting, and model performance evaluation
Experience building and maintaining credit risk methodologies
Fluency in English and Portuguese
Excellent cross-functional project management and communication skills
Preferred
Experience in Fintech, especially in fast-paced or early-stage environments
Exposure to credit card and payments ecosystems
Familiarity with Latin American regulatory frameworks for credit losses
Experience supporting financial audits and compliance documentation
Working knowledge of Slack, Notion, or similar collaboration tools
Understanding of financial conciliation or operational finance processes
Spanish proficiency or interest in learning
Benefits
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
Company
Clara
Clara is a spending management company that provides an end-to-end spend management platform for businesses.
Founded in 2020
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$562.27MKey Investors
Citi VenturesGeneral CatalystGGV Capital
2025-12-22Series Unknown· $0.27M
2025-11-25Debt Financing· $70M
2025-04-29Series Unknown· $40M
Leadership Team
Gerry Giacoman Colyer
Co-founder | CEO
Diego Iván Garcia Escobedo
Co-founder | CPO
Recent News
Soma Capital
2026-01-08
Company data provided by crunchbase