Risk Modeling Expert

What if your next role helped build the financial backbone of Latin America’s most ambitious companies?

Clara is the leading B2B spend management platform in the region, used by 20,000+ companies to gain clarity, control, and speed in how they manage payments, credit, and expenses. Our all-in-one solution combines locally issued corporate cards, bill pay, financing, and a powerful SaaS platform built to scale with our customers.

Backed by world-class investors like General Catalyst, Goldman Sachs, Kaszek, and Citi Ventures, we’re building the financial infrastructure that powers how Latin America works — and works better.

💼 What You'll Do:

• Support modeling initiatives, collaborating across teams to align with business and risk goals
• Drive innovation in data analysis to enhance decision-making and operational efficiency
• Provide data intelligence and analytics to support credit risk strategies and portfolio performance
• Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses)
• Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations
• Own the Risk MIS: monitor risk policies, and performance of risk credit matters
• Identify and implement process enhancements to improve efficiency, scalability, and outcomes
• Communicate findings and recommendations clearly to senior leadership and key stakeholders

🧠 What We’re Looking For

Non-negotiable Requirements:

• Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design
• Proven strong experience in credit risk management in Latin American markets
• Advanced proficiency in SQL and data visualization tools
• High attention to data quality and integrity, especially within financial datasets
• Proficient in sql  or other common modeling languages
• Fluency in english is required

Main professional skills:

• Strong project management and cross-functional coordination skills of high-impact projects
• Hands-on experience in credit risk portfolio management
• Proficient in using robust data as input of data driven analysis
• Strong skills in predictive analytics and business-driven model design
• Experienced in model monitoring, backtesting, and performance evaluation
• Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses
• Passion for working in teamwork, independence and going to extra mile

You'll get some valued extra points if you have:

• Fintech industry experience, ideally in fast-paced, high-growth environments
• Experience navigating financial audits, understanding documentation and compliance expectations
• Understanding of financial conciliation processes and operational finance systems
• Exposure to credit card and payments ecosystems
• A collaborative, solution-oriented mindset with a passion for building from scratch
• Familiarity with Latin American regulatory and compliance standards
• Comfortable using modern collaboration tools (Slack, Notion, etc.)
• Experience in credit risk in Latin America working with B2B solutions

Why Join Clara?

• Competitive salary + stock options (ESOP) from Day 1
• Fully flexible work model (remote or hybrid – São Paulo)
• Benefits tailored to your lifestyle and priorities
• Multicultural environment with daily exposure to English and Spanish
• Learning budget and internal development tracks
• High-ownership culture: we move fast, learn fast, and raise the bar together
• Collaborative, inclusive, and ambition-driven team

✨ 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 businesses run across Latin America.

What we offer:

• 💰 Competitive salary + Stock Options (ESOP) from Day 1

• 🕓 Flexible hours 

• 🌎 Multicultural team with daily exposure to Portuguese, Spanish, and English

• 📚 Annual learning budget + internal development paths

• 🚀 High-ownership culture: we move fast, learn fast, and raise the bar — together

• 🧠 Smart, ambitious teammates — low ego, high impact

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.

Who we are:

• The team behind the leading B2B spend platform in Latin America

• Certified as one of LinkedIn’s Top Startups

• Building financial infrastructure that enables businesses to thrive

• Proud of our open, inclusive, and values-driven culture

Join a high-performing, human-centered team that’s redefining B2B finance in Latin America.
If you’re ready for growth, ownership, and impact — let’s talk.