Credit Analysis Lead - São Paulo (Hybrid)

The role

You will lead a team of credit analysts to assess B2B clients in Brazil and recommend credit lines. You will own the credit decision process from initial request through maintenance and partner with Sales, Risk, Product, and Collections.

What you will do

• Lead, coach and develop a team of credit analysts
• Own daily desk operations including intake, triage, and queue management
• Run the credit approval cadence and act as escalation point for complex cases
• Perform and quality-review B2B credit analysis
• Analyze Brazilian companies financial health including financial statements and cash flow
• Interpret Brazilian credit bureau and public data
• Issue or recommend credit limits and terms within a delegated authority
• Handle review triggers such as renewals and limit changes
• Surface patterns and edge cases back to policy and strategy teams
• Partner with Product, Data and Engineering to automate workflows

Required qualifications

• 5+ years in credit risk / corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis
• 2+ years leading or coordinating a credit analysis team
• Deep working knowledge of Brazilian credit bureau data and scoring
• Experience working within credit policy and approval alçadas
• Advanced spreadsheets
• SQL and a BI tool (Looker, Metabase, Tableau)
• Ability to build small automations, scripts or internal tools (AI-assisted coding, no-code/low-code)
• Strong written communication and attention to detail

Nice to have

• Fintech or B2B credit scale-up experience in LATAM; lending to PMEs and mid-market
• Exposure to scorecard/model development, monitoring and credit model governance
• Familiarity with Google Workspace, Zendesk and HubSpot (or similar)
• Spanish (or willingness to learn)

Benefits

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

About the company

Clara is a platform in Latin America for companies to execute and manage payment operations. It is a fast-growing company with approximately 400 people.