# Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid at Clara > Colombia · Unspecified · Other · open. Source: https://alderhq.app/jobs/greenhouse%3Aclara%3A5218831007 (read 2026-11-05). ## Facts (observed) - Company: [Clara](https://alderhq.app/companies/clara) - Location text: Bogota / CUN / Colombia; Bogota D.C. / DC / Colombia; Brasil ; Colombia; Mexico - Where it can be done from (inferred): Colombia (evidence: "Location: Bogota / CUN / Colombia; Bogota D.C. / DC / Colombia; Brasil ; Colombia; Mexico") - Posted: 2026-08-21 (76 days ago) - First seen by alder: 2026-11-02 · last verified: 2026-11-04 - Reposted: 0 times · edited: 0 times - Apply on the employer's site: https://job-boards.greenhouse.io/clara/jobs/5218831007 - Skills listed (inferred): Python, SQL ## Pay and sponsorship - Posted pay: not posted - Licensed UK sponsor: registered as "Clara Technologies (UK) Limited" (checked 2026-11-03, [register](https://www.gov.uk/government/publications/register-of-licensed-sponsors-workers)) ## Description (the employer's text) 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. --- Data: alder (https://alderhq.app). Cite https://alderhq.app/jobs/greenhouse%3Aclara%3A5218831007 and the date you read it. Observed facts come from the employer's own listing; location reach, level, family and skills are inferences.