# Especialista em Risco de Crédito (Credit Risk Expert) - Híbrido at Clara Especialista em Risco de Crédito (Credit Risk Expert) - Híbrido at Clara in Sao Paulo / SP / Brazil. Hybrid. Posted August 21, 2026. - Company: Clara - Location: Sao Paulo / SP / Brazil - Workplace: Hybrid - Experience: 5+ years - Posted: 2026-08-21 - Apply: https://job-boards.greenhouse.io/clara/jobs/5218842007 - Source: https://jobmagic.ai/jobs/especialista-em-risco-de-credito-credit-risk-expert-hibrido-clara-5zmm4y ## 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. Job description We're growing our **Risk squad** and looking for a high-impact **Credit Risk Expert in Latin America** — if you or someone you know thrives at the intersection of **credit, data, technology, and fintech**, keep reading. ### **Senior Credit Risk & Portfolio Strategy Manager** A hands-on, strategic role for someone who can **understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.** - You'll own **portfolio risk monitoring**, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators - You'll identify emerging risks and opportunities, perform **root-cause analysis**, and translate findings into concrete portfolio actions - You'll design, implement, and measure **credit strategies across the customer lifecycle**, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies - You'll monitor and challenge **credit models and decision strategies**, analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions - You'll use **SQL and Python** to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies - You'll use **AI and automation** 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 - You'll monitor **portfolio risk appetite, concentrations, covenants, and management indicators**, translating complex portfolio dynamics into clear recommendations for senior stakeholders - You'll work cross-functionally with **Data, Product, Engineering, Finance, Operations, and Collections** to take initiatives from analysis through implementation - We're looking for a true **builder mindset**: someone analytical and technically strong who doesn't stop at reporting a problem, but wants to understand it, design a solution, build it, and measure whether it worked - 5+ years of experience in **Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles**. Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios is a strong plus - Strong **SQL + Python** skills and fluency in English required. Spanish and/or Portuguese are highly valued If you think you're a good fit — or know someone who is — apply or send me a message! **São Paulo, CDMX, Bogotá | HybridWhere 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.