Especialista em Risco de Crédito (Credit Risk Expert) - Híbrido

What you'll do You'll be deep in the data every single day. This means writing complex queries, building and maintaining credit risk models, and turning portfolio signals into concrete strategies — all by yourself, not through a team. Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations Support the built, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it Design and execute credit line management strategies (CLI/CLD campaigns, proactive limit reviews, exposure optimization) — from the data pull to the recommendation Develop credit strategies and decision frameworks that feed directly into automated lending decisions Use AI tools and workflow automation to improve how risk processes run — you'll be expected to experiment and build, not just observe Translate your own analysis into clear insights for senior leadership Ensure compliance with provisioning standards and model governance frameworks Who you are Must haves Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field Proven hands-on experience in portfolio-level credit risk: PD, LGD, EAD, ECL, vintage analysis, roll rates You write SQL and Python (or R) every day — this is non-negotiable Experience designing credit line management strategies: CLI/CLD campaigns, limit reviews, exposure control Strong data visualization skills Experience in Latin American credit markets English fluency You love operating and being strategic at the same time Nice to haves Experience in fintech or high-growth environments Exposure to credit card and payments ecosystems Familiarity with Latin American regulatory frameworks for provisioning Hands-on experience with AI tools: workflow automation (e.g. n8n), AI agents, or chatbots applied to risk processes Experience supporting financial audits Important: This role is 100% focused on portfolio-level credit risk and quantitative modeling. Profiles from product management, capital markets, liquidity risk, or individual credit underwriting (case-by-case) do not meet the requirements. 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 organizations are run across Latin America. Who we are We’re the leading B2B fintech for spend management in Latin America. Certified as one of the world's fastest-growing companies, a Great Place to Work , and a LinkedIn Top Startup . Passionate about making Latin America more prosperous and competitive. Constantly innovating to build financial infrastructure that enables each of our customers to thrive. Product-led, high-talent-density culture — designed for builders who raise the bar. Proud of our open, inclusive, and values-driven environment. 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. What we offer Competitive salary and stock options ( ESOP ) from day one Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language) Annual learning budget and internal accelerated development paths High-ownership environment: we move fast, learn fast, and raise the bar — together Smart, ambitious teammates — low ego, high impact Flexible vacation and hybrid work model focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. Clara’s Hybrid Policy Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team. We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.