Credit Operations & Control Desk Analyst (Analista de Operações de Crédito e Mesa de Controle) – São Paulo (Hybrid)

The role

The Credit Operations & Control Desk Analyst supports the growth of Clara's credit portfolio in Brazil. This person will review corporate documentation, manage credit onboarding, and identify operational risks.

What you will do

• Review and validate corporate, legal, and financial documentation during onboarding and credit activation.
• Verify company registration, corporate structures, legal representatives, and powers of attorney.
• Ensure credit approval conditions and internal policies are met before activation.
• Monitor automated onboarding workflows and resolve exceptions.
• Coordinate with Credit, Risk, Compliance, Legal, and Sales teams.
• Identify inconsistencies, potential fraud indicators, and operational risks.
• Support KYC, KYB, and CDD controls.
• Maintain accurate records and audit trails.
• Identify bottlenecks and opportunities to improve operational workflows.
• Collaborate with Technology for process automation and system enhancements.

Required qualifications

• 2+ years of experience in Credit Operations, Credit Formalization, Control Desk, Financial Operations, or related roles within banks, fintechs, financial institutions, or similar fields.
• Experience working with corporate clients (B2B/PJ), including the review and validation of corporate and legal documentation.
• Understanding of credit onboarding processes, internal controls, and operational risk management.
• Familiarity with KYC/KYB requirements and customer due diligence processes.
• Strong analytical skills, attention to detail, and ability to identify inconsistencies and potential risks.
• Proficiency in Excel or Google Sheets, including data analysis and operational reporting.
• Strong organizational skills and ability to manage multiple cases while meeting established SLAs.
• Strong communication skills and ability to collaborate with cross-functional teams.
• A proactive, problem-solving mindset with a strong sense of ownership and accountability.
• Fluency in Portuguese and intermediate English proficiency.

Nice to have

• Experience in B2B lending, corporate credit, or credit products within a fintech environment.
• Knowledge of Brazilian corporate documentation, credit agreements, and guarantee formalization.
• Experience reviewing financial statements and basic credit risk indicators.
• Familiarity with BI tools, SQL, workflow automation, or operational dashboards.
• Experience identifying fraud indicators or supporting fraud prevention controls.
• Familiarity with AI tools and their application to operational efficiency and process improvement.
• Basic Spanish proficiency or willingness to learn.
• A good sense of humor

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 several investors including Goldman Sachs.