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 20,000 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 general 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.




Credit Risk Expert – Latin America
This role in one line
What you'll do
- Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations.
- Support the built, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL.
- Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it.
- Design and execute credit line management strategies (CLI/CLD campaigns, proactive limit reviews, exposure optimization) — from the data pull to the recommendation.
- Develop credit strategies and decision frameworks that feed directly into automated lending decisions.
- Use AI tools and workflow automation to improve how risk processes run — you'll be expected to experiment and build, not just observe.
- Translate your own analysis into clear insights for senior leadership.
- Ens

📌 Credit Risk Expert (Toluca de Lerdo)
🏢 WhateverAI
📍 Toluca de Lerdo