# Credit Analysis Lead - São Paulo (Hybrid) at Clara Credit Analysis Lead - São Paulo (Hybrid) at Clara in Sao Paulo / SP / Brazil. Hybrid. Posted October 20, 2026. - Company: Clara - Location: Sao Paulo / SP / Brazil - Workplace: Hybrid - Experience: 5+ years - Posted: 2026-10-20 - Apply: https://job-boards.greenhouse.io/clara/jobs/5270628007 - Source: https://jobmagic.ai/jobs/credit-analysis-lead-sao-paulo-hybrid-clara-xkgeby ## Requirements - 5+ years in credit risk / corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis. - 2+ years leading or coordinating a credit analysis team (manager, coordinator or supervisor), with a track record of developing analysts. - Deep working knowledge of Brazilian credit bureau data and scoring, including what each source does and doesn’t tell you. - Experience working within credit policy and approval alçadas, with a strong instinct for when a case deserves to be challenged. - Comfort with data: advanced spreadsheets plus, ideally, SQL and a BI tool (Looker, Metabase, Tableau) to pull and validate your own numbers. - Curious and hands-on with tooling: able to build your own small automations, scripts or internal tools (AI-assisted coding, no-code/low-code) to remove manual work from your team. We’re not hiring an engineer, but we do expect you to ship. - Strong written communication and attention to detail; able to defend decisions to commercial and risk stakeholders. ## Description **Clara is the leading platform in Latin America for companies to execute and manage every payment operation.** 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. ### What you'll do We’re looking for a **Credit Analysis Lead** 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 **quality, speed, and consistency of every credit decision** that comes through the desk. Your ownership starts when a credit request enters the credit desk (new client, limit increase, renewal, or triggered review) and covers everything until a **credit decision is issued** (approve / decline / amount and terms) and later **maintained** (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. 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 - **Lead the credit analysis team** - Lead, coach and develop a team of credit analysts: hiring, onboarding, training, calibration and capacity/SLA planning. - Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround-time SLAs. - Run the credit approval cadence and act as escalation point for borderline, complex or high-exposure cases. - **Perform and quality-review B2B credit analysis ** - Analyze Brazilian companies’ financial health: financial statements and cash flow (DRE, balanço, DFC), revenue and margin trends, leverage, liquidity, working capital cycle and seasonality. - Read the whole economic group: parent and related entities, sócios and partners, cross-exposure and consolidated exposure. - Interpret Brazilian credit bureau and public data, understanding the limits and false positives of each source. - Issue or recommend credit limits and terms within a delegated authority (alçada), documenting the rationale clearly; escalate above authority. - Handle review triggers: renewals, limit increases/decreases, negative news, and deterioration in related accounts. - **Be the voice of the front line for credit strategy** - Act as the closest point to real client cases: surface patterns, edge cases and segment realities back to the teams that own credit policy, scorecards and portfolio strategy. - Give structured, data-backed feedback on where policy, rules or score cutoffs don’t match what the analysis actually shows — and propose concrete adjustments. - Track and improve the metrics that matter for your team: approval rate, TAT, override rate and decline-reason distribution. - Flag early signs of deterioration in the cases your team touches, so the owners of portfolio monitoring can act on them. - **Drive automation and simplification** - Partner with Product, Data and Engineering to automate bureau pulls, decision rules and scorecards, and to simplify the analyst workflow so the team scales without adding headcount. - Continuously re-draw the line between what gets auto-approved and what an analyst must review. - Build your own analyses and lightweight tools (AI-assisted coding, scripts, no-code/low-code) to take manual work out of your team’s day-to-day — you don’t need to be an engineer, but you should be able to ship something yourself. ### Who you are *“We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.”* ### Must haves: - 5+ years in credit risk / corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis. - 2+ years leading or coordinating a credit analysis team (manager, coordinator or supervisor), with a track record of developing analysts. - Deep working knowledge of Brazilian credit bureau data and scoring, including what each source does and doesn’t tell you. - Experience working within credit policy and approval alçadas, with a strong instinct for when a case deserves to be challenged. - Comfort with data: advanced spreadsheets plus, ideally, SQL and a BI tool (Looker, Metabase, Tableau) to pull and validate your own numbers. - Curious and hands-on with tooling: able to build your own small automations, scripts or internal tools (AI-assisted coding, no-code/low-code) to remove manual work from your team. We’re not hiring an engineer, but we do expect you to ship. - Strong written communication and attention to detail; able to defend decisions to commercial and risk stakeholders. ### Nice to haves: - Fintech or B2B credit scale-up experience in LATAM; lending to PMEs and mid-market. - Exposure to scorecard/model development, monitoring and credit model governance. - Familiarity with Google Workspace, Zendesk and HubSpot (or similar). - Spanish (or willingness to learn). ### Where we work: This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks. ### Why Clara - **A high talent-density team** driven to make an impact in Latin America — low ego, high ownership. - Competitive salary and stock options (ESOP) from day one. - An annual learning budget and accelerated development paths. - English is our working language, with Spanish and Portuguese every day. ### How we work - **Clarity** — Open and direct communication: we say what we mean and give context where it matters. - **Simplicity** — If it can be simpler, it should be. - **Ownership** — We own everything we do, end to end. When something needs to happen, we don't wait. - **Pride** — We hold ourselves to a high standard, and it shows in what we deliver. - **ABC (Always Be Changing)** — We adapt fast, embrace change, and keep learning. - **Inclusivity** — Diverse ideas, stories and perspectives build a better Clara. If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.