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 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.

About the Role

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.

In your first 12 months, you'll:

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

Who you are

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.

Must haves

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

Nice to haves

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

Why join Clara

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.

Who we are

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.

What we believe in

#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

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

If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.

Clara’s Hybrid Policy

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.

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