Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. Job description We're growing our Risk squad and looking for a high-impact Credit Risk Expert latinoamerica — 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 lif