Credit Analysis Lead - São Paulo (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><h3 data-path-to-node="1">What you'll do</h3> <p>We’re looking for a <strong>Credit Analysis Lead</strong> to own the credit analysis function for our B2B clients in Brazil. You’ll lead a team of credit analysts who assess companies and recommend credit lines, and you’ll be accountable for the <strong>quality, speed, and consistency of every credit decision</strong> that comes through the desk.<br><br>Your ownership starts when a credit request enters the credit desk (new client, limit increase, renewal, or triggered review) and covers everything until a <strong>credit decision is issued</strong> (approve / decline / amount and terms) and later <strong>maintained</strong> (renewals, limit adjustments, periodic reviews). Other teams own the steps before and after that path — but you still own making sure the whole flow works: if something upstream delays a case or something downstream breaks the experience, it’s your problem to raise and get fixed.<br><br>You’ll partner closely with Sales, Risk, Product/Data and Collections to keep the credit flow fast, the portfolio healthy and the analysis workflow scalable</p> <div> <ul> <li><strong>Lead the credit analysis team</strong> <ul> <li>Lead, coach and develop a team of credit analysts: hiring, onboarding, training, calibration and capacity/SLA planning.</li> <li>Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround-time SLAs.</li> <li>Run the credit approval cadence and act as escalation point for borderline, complex or high-exposure cases.</li> </ul> </li> </ul> </div> <div> <ul> <li><strong>Perform and quality-review B2B credit analysis<br></strong> <ul> <li>Analyze Brazilian companies’ financial health: financial statements and cash flow (DRE, balanço, DFC), revenue and margin trends, leverage, liquidity, working capital cycle and seasonality.</li> <li>Read the whole economic group: parent and related entities, sócios and partners, cross-exposure and consolidated exposure.</li>