Credit Policy Expert (Experto/a en política de Crédito) – LatAm

Latin Americamid

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Quick Summary

Overview

Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,

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Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale.

Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices.

We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas.

Responsibilities

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We're looking for a Credit Strategy Expert to help shape Clara’s credit strategy as we continue to scale across Latin America. This role is critical to the development and execution of policies that drive responsible growth in our credit portfolio.

As part of our Risk team, you'll lead initiatives that balance financial performance with risk mitigation. You'll design and optimize our credit strategy policies using advanced analytics, partner closely with data science, product, and go-to-market teams, and play a pivotal role in how we assess and manage credit risk.

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.

Requirements

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5+ years in a data-driven role within financial services, with direct experience in credit risk analytics, policy design, or acquisition strategy
Strong grasp of statistical modeling, risk assessment techniques, and predictive analytics
Experience working with data science tools and statistical software to inform business strategy
Demonstrated ability to translate complex analytics into clear business actions
Bachelor's degree in Statistics, Data Science, Economics, Finance, or a related field
Fluent in English and Spanish
Working proficiency in SQL, Python, or other analytical tools
Comfortable operating in a fast-paced, evolving environment

Nice to Have

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Familiarity with AI tools to automate or optimize decision-making
Experience in a high-growth startup or fintech environment
Basic Portuguese or a willingness to learn

What We Offer

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At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America.

We’re the leading B2B fintech for spend management in Latin America.
Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup.
Passionate about making Latin America more prosperous and competitive.
Constantly innovating to build financial infrastructure that enables each of our customers to thrive.
Product-led, high-talent-density culture — designed for builders who raise the bar.
Proud of our open, inclusive, and values-driven environment.

#Clarity. We say things clearly, directly, and proactively.
#Simplicity. We reduce noise to focus on what really matters.
#Ownership. We take responsibility and never wait to be told.
#Pride. We build products and experiences we’re proud of.
#Always Be Changing (ABC). We grow through feedback, risk-taking, and action.
#Inclusivity. Every voice counts. Everyone contributes to our mission.

What We Offer

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✓Competitive salary and stock options (ESOP) from day one

✓Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language)

✓Annual learning budget and internal accelerated development paths

✓High-ownership environment: we move fast, learn fast, and raise the bar — together

✓Smart, ambitious teammates — low ego, high impact

✓Flexible vacation and hybrid work model focused on results

Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team.

We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.