Clara is the leading spend management platform in Latin America. More than 40,000 businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the fastest-growing company in Latin America. We're ~400 people, backed by Kaszek, monashees, Coatue, DST Integral, 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

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