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

We're looking for a Credit Policy Expert to help define and evolve Clara's credit strategy as we continue to scale across Latin America.

This is a senior individual contributor role on our Risk team, reporting to the Head of Credit Risk. You'll own the design, execution, and continuous improvement of our credit policies — balancing portfolio growth with responsible risk management across our key markets (Mexico, Brazil, and Colombia).

This is not a support role. You'll be a decision-maker and a builder. You'll have direct influence over how we extend credit to thousands of businesses across the region, and your work will be visible at the highest levels of the company.

• Own and maintain Clara's credit approval policies and limit-setting frameworks for corporate clients across LatAm
• Define segmentation criteria and risk appetite thresholds by market, product, and client profile
• Partner with Data Science to develop and improve origination scorecards and behavioral models
• Lead credit policy reviews driven by portfolio performance data, economic signals, and product changes
• Work cross-functionally with Product, Finance, and Go-to-Market to ensure credit strategy enables growth
• Build and leverage AI-assisted tools to automate policy decisions and improve the speed and accuracy of credit assessments
• Translate complex risk analytics into clear, actionable recommendations for senior leadership

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.

• 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

• Hands-on experience with SQL, Python, or equivalent analytical tools

• Demonstrated ability to translate complex analytics into clear business actions

• Comfortable partnering with Data Science teams and understanding model outputs

• Bachelor's degree in Statistics, Data Science, Economics, Finance, or a related field

• Fluent in English and Spanish

• Thrives in fast-paced, high-ambiguity environments

• Familiarity with AI tools to automate or optimize decision-making

• Background in a high-growth startup or fintech environment

• Familiarity with the credit regulatory landscape in Mexico, Brazil, or Colombia

• Basic Portuguese or a willingness to learn

• 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.

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.