Especialista em Risco de Crédito (Credit Risk Expert) - Híbrido

• 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!

• 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.

• 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.

Claridians split their time between the office, customers and home. We don't set a minimum number of office days for most roles, but we expect you to spend time there naturally, and most days during your ramp-up or when your leader asks.

If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.