Risk Modeling Expert

Clara is the leading spend management platform for companies in Latin America. Our end-to-end solution includes locally-issued corporate cards, bill pay, and our highly-rated software platform; already being used by thousands of the most successful companies across the region.

Clara is backed by top investors and strategics including Accial Capital, Canary, Citi Ventures, Coatue, DST Global, General Catalyst, Goldman Sachs, ICONIQ Growth, Kaszek, Monashees, and Notable Capital, as well as prominent angel investors.

We’re looking for a Risk Modeling Expert to work with a high-performing team of risk specialist and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company’s business strategy.     You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler.

💼 What You'll Do:

• Support modeling initiatives, collaborating across teams to align with business and risk goals
• Drive innovation in data analysis to enhance decision-making and operational efficiency
• Provide data intelligence and analytics to support credit risk strategies and portfolio performance
• Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses)
• Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations
• Own the Risk MIS: monitor risk policies, and performance of risk credit matters
• Identify and implement process enhancements to improve efficiency, scalability, and outcomes
• Communicate findings and recommendations clearly to senior leadership and key stakeholders

🧠 What We’re Looking For

Non-negotiable Requirements:

• Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design
• Proven strong experience in credit risk management in Latin American markets
• Advanced proficiency in SQL and data visualization tools
• High attention to data quality and integrity, especially within financial datasets
• Proficient in sql  or other common modeling languages
• Fluency in english is required

Main professional skills:

• Strong project management and cross-functional coordination skills of high-impact projects
• Hands-on experience in credit risk portfolio management
• Proficient in using robust data as input of data driven analysis
• Strong skills in predictive analytics and business-driven model design
• Experienced in model monitoring, backtesting, and performance evaluation
• Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses
• Passion for working in teamwork, independence and going to extra mile

You'll get some valued extra points if you have:

• Fintech industry experience, ideally in fast-paced, high-growth environments
• Experience navigating financial audits, understanding documentation and compliance expectations
• Understanding of financial conciliation processes and operational finance systems
• Exposure to credit card and payments ecosystems
• A collaborative, solution-oriented mindset with a passion for building from scratch
• Familiarity with Latin American regulatory and compliance standards
• Comfortable using modern collaboration tools (Slack, Notion, etc.)
• Experience in credit risk in Latin America working with B2B solutions

Why Join Clara?

• Competitive salary + stock options (ESOP) from Day 1
• Fully flexible work model (remote or hybrid – São Paulo)
• Benefits tailored to your lifestyle and priorities
• Multicultural environment with daily exposure to English and Spanish
• Learning budget and internal development tracks
• High-ownership culture: we move fast, learn fast, and raise the bar together
• Collaborative, inclusive, and ambition-driven team

The way we do things is as important as what we do