Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

<div class="content-intro"><p><strong>Clara is the leading platform in Latin America for companies to execute and manage every payment operation.</strong> More than 50,000 leading and fast-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region’s fastest-growing company. We’re passionate about helping every company we work with become more effective—and, through that, raising the region’s competitiveness. We’re ~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others.</p></div><p>Job description</p> <p>We're growing our <strong>Risk squad</strong> and looking for a high-impact <strong>Credit Risk Expert in Latin America</strong> — if you or someone you know thrives at the intersection of <strong>credit, data, technology, and fintech</strong>, keep reading.</p> <h3><strong>Senior Credit Risk &amp; Portfolio Strategy Manager</strong></h3> <p>A hands-on, strategic role for someone who can <strong>understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.</strong></p> <ul> <li>You'll own <strong>portfolio risk monitoring</strong>, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators</li> <li>You'll identify emerging risks and opportunities, perform <strong>root-cause analysis</strong>, and translate findings into concrete portfolio actions</li> <li>You'll design, implement, and measure <strong>credit strategies across the customer lifecycle</strong>, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies</li> <li>You'll monitor and challenge <strong>credit models and decision strategies</strong>, analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions</li> <li>You'll use <strong>SQL and Python</strong> to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies</li> <li>You'll use <strong>AI and automation</strong> to build smarter and more scalable Risk processes and tools. We're looking for someone who enjoys experimenting, coding, and finding better ways to solve problems</li> <li>You'll monitor <strong>portfolio risk appetite, concentrations, covenants, and management indicators</strong>, translating com