Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

The role

This person will own portfolio risk monitoring and design credit strategies across the customer lifecycle. They will use SQL, Python, AI, and automation to analyze large datasets and build scalable risk processes.

What you will do

• Own portfolio risk monitoring including delinquency, bad rates, vintages, and other key risk indicators
• Identify emerging risks and opportunities and perform root-cause analysis
• Design, implement, and measure credit strategies across the customer lifecycle
• Monitor and challenge credit models and decision strategies
• Use SQL and Python to analyze large datasets and build monitoring and decision-making tools
• Use AI and automation to build smarter and more scalable Risk processes and tools
• Monitor portfolio risk appetite, concentrations, covenants, and management indicators
• Work cross-functionally with Data, Product, Engineering, Finance, Operations, and Collections

Required qualifications

• 5+ years of experience in Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles
• Strong SQL + Python skills
• Fluency in English

Nice to have

• Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios
• Spanish and/or Portuguese

Benefits

• Competitive salary
• Stock options (ESOP) from day one
• An annual learning budget
• Accelerated development paths

About the company

Clara is the leading platform in Latin America for companies to execute and manage every payment operation. It is a team of ~400 people backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs.