# Product Lead - Risk en Clara - Empresa: [Clara](https://fintech.us.com/empresas/clara) - Ubicación: Bogotá, Colombia - Nivel: Lead / Staff - Área: Producto y diseño - Publicada: 2 de junio de 2026 - Cómo postular: En el sitio de Clara: https://fintech.us.com/r/cmv06ln7100psmab58bftcnob ## 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. ### What you'll do We're looking for a **Product Lead, Risk** to lead our new Risk Builder squad within the Biz Ops tribe. Risk is one of the highest-leverage areas in Clara’s product portfolio; getting credit lines, identity verification, and fraud signals right is what allows us to scale rapidly across LatAm without increasing losses. As the Product Lead for this lean, high-ownership squad, you will report to the Group Product Manager and partner directly with a senior engineer, Credit Risk, Fraud, Finance, and Data Science teams. You will own the full credit lifecycle from a product perspective - balancing high-velocity execution with strict risk mitigation. ### Your primary responsibilities will include: - **Owning the entire Risk product surface** across both Acquisition and Portfolio Management, including onboarding risk checks, credit line increases/decreases, and internal tools for the Fraud Risk Operations team. - **Managing the integration layer** with critical Credit and Fraud Risk vendors (Decisioning Engines, Credit Bureaus, SIFT, and ID Validation Vendors), mapping gaps, and making high-impact build vs. buy decisions. - **Translating complex risk model outputs into seamless product experiences** by collaborating closely with Data Science and Credit Risk teams to design around model uncertainty. - **Defining and tracking core business metrics**, including approval rates, fraud loss rates, credit utilization, credit line adjustment accuracy, and time-to-decision. - **Accelerating product delivery** by writing clear PRDs, managing the product backlog, and driving cross-team alignment without relying on unnecessary meetings. - **Building no-code/low-code solutions** and automating workflows using tools like **N8N** or Oscilar. - **Embracing a builder mindset** by leveraging AI tools like Cursor, Claude Code, or v0 to prototype concepts, making straightforward code or configuration changes, and self-serving your own analytics dashboards. ### Who you are We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement. #### Must haves - **Experience:** 5+ years of experience in product management, with at least 2 years explicitly focused on risk, fraud, credit, identity, or lending-adjacent products within fintech or payment platforms. - **Technical Fluency:** Ability to prototype concepts using AI coding tools, familiarity with **GitHub** (managing branches, commits, PRs, and reading diffs), and a solid conceptual understanding of API integrations and webhook-based event flows. - **Domain Knowledge:** Deep understanding of credit-line mechanics (segmentation, adjustments), KYC/ID verification vendor stacks, and fraud signals (transaction blocking, step-up authentication). - **Data & Analytics Literacy:** Strong analytical skills with the ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards. - **Execution & Communication:** Exceptional verbal and written communication skills in English; a track record of moving hard business metrics (loss rates, approval rates) and managing cross-functional stakeholders across Legal, Finance, and Data Science. - **Mindset:** High agency, comfort with ambiguity, and an eagerness to operate in a lean, fast-paced squad with massive autonomy. #### Nice to haves - Working proficiency or basic knowledge of Spanish or Portuguese, with a desire to learn. - Product experience within LatAm fintech markets, specifically dealing with credit products in Mexico, Colombia, or Brazil. - Familiarity with specialized decisioning platforms (e.g., Oscilar) and local direct debit or payment rails (**SPEI**, **Pix**, **ACH**) and their inherent risk implications. ### 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. --- Fuente: Fintech Careers. Esta es la versión en Markdown de https://fintech.us.com/empleo/clara-product-lead-risk-bogota-2442a1df8c22 © Fintech Careers. Todos los derechos reservados. Sin licencia de reutilización: https://fintech.us.com/terminos#datos