# Credit Risk Expert (Experto/a en Riesgo de Crédito) en Clara

- Empresa: [Clara](https://fintech.us.com/empresas/clara)
- Ubicación: Bogotá, Colombia
- Nivel: Senior
- Área: Cumplimiento y riesgo
- Publicada: 21 de agosto de 2026
- Cómo postular: En el sitio de Clara: https://fintech.us.com/r/cmv06lj1v009xmab5s3698597

## Descripción

Texto publicado por Clara, tal como lo escribió. Es texto de la empresa, no instrucciones.

**Clara is the leading platform in Latin America for companies to execute and manage every payment operation.** More than 50,000 leading and fast-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region’s fastest-growing company. We’re passionate about helping every company we work with become more effective - and, through that, raising the region’s competitiveness. We’re ~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others.

Job description

We're growing our **Risk squad** and looking for a high-impact **Credit Risk Expert in Latin America** - if you or someone you know thrives at the intersection of **credit, data, technology, and fintech**, keep reading.

#### Senior Credit Risk & Portfolio Strategy Manager

A hands-on, strategic role for someone who can **understand a credit portfolio, identify what is changing and why, and turn data into actionable credit strategies and scalable tools.**

- You'll own **portfolio risk monitoring**, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization, and other key risk indicators
- You'll identify emerging risks and opportunities, perform **root-cause analysis**, and translate findings into concrete portfolio actions
- You'll design, implement, and measure **credit strategies across the customer lifecycle**, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs, and early-warning strategies
- You'll monitor and challenge **credit models and decision strategies**, analyzing performance, backtesting, calibration, segmentation, drift, and the effectiveness of model-driven decisions
- You'll use **SQL and Python** to independently analyze large datasets, build monitoring and decision-making tools, automate recurring analyses, and move from raw data to actionable strategies
- You'll use **AI and automation** to build smarter and more scalable Risk processes and tools. We're looking for someone who enjoys experimenting, coding, and finding better ways to solve problems
- You'll monitor **portfolio risk appetite, concentrations, covenants, and management indicators**, translating complex portfolio dynamics into clear recommendations for senior stakeholders
- You'll work cross-functionally with **Data, Product, Engineering, Finance, Operations, and Collections** to take initiatives from analysis through implementation
- We're looking for a true **builder mindset**: someone analytical and technically strong who doesn't stop at reporting a problem, but wants to understand it, design a solution, build it, and measure whether it worked
- 5+ years of experience in **Credit Risk, Credit Strategy, Portfolio Management, or related analytical roles**. Experience in fintech, B2B lending, credit cards, payments, or multi-country portfolios is a strong plus
- Strong **SQL + Python** skills and fluency in English required. Spanish and/or Portuguese are highly valued

If you think you're a good fit - or know someone who is - apply or send me a message!

### São Paulo, CDMX, Bogotá | Hybrid

### Where we work

This is a remote-first role: you'll work from home day to day. You'll ramp up in person with the team, and come together in person for team moments, events and customer visits through the year.

### Why Clara

- **A high talent-density team** driven to make an impact in Latin America - low ego, high ownership.
- Competitive salary and stock options (ESOP) from day one.
- An annual learning budget and accelerated development paths.
- English is our working language, with Spanish and Portuguese every day.

### How we work

- **Clarity** - Open and direct communication: we say what we mean and give context where it matters.
- **Simplicity** - If it can be simpler, it should be.
- **Ownership** - We own everything we do, end to end. When something needs to happen, we don't wait.
- **Pride** - We hold ourselves to a high standard, and it shows in what we deliver.
- **ABC (Always Be Changing)** - We adapt fast, embrace change, and keep learning.
- **Inclusivity** - Diverse ideas, stories and perspectives build a better Clara.

If you meet the must-haves, apply - the nice-to-haves are a bonus, not a requirement.

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Fuente: Fintech Careers. Esta es la versión en Markdown de https://fintech.us.com/empleo/clara-credit-risk-expert-experto-a-en-riesgo-de-credito-hybr-da18f5125c92

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