Product Lead - Risk

<div class="content-intro"><h2><strong data-start="314" data-end="386">Ready to accelerate your career?</strong></h2> <div> <p data-start="563" data-end="823">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.</p> <p data-start="563" data-end="823">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.&nbsp;<br><br>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.</p> </div></div><h2 data-path-to-node="3">What you'll do</h2> <p data-path-to-node="4">We're looking for a <strong data-path-to-node="4" data-index-in-node="20">Product Manager, Risk</strong> 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.</p> <p data-path-to-node="5">As the Product Manager 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.</p> <p data-path-to-node="6">Your primary responsibilities will include:</p> <ul data-path-to-node="7"> <li> <p data-path-to-node="7,0,0"><strong data-path-to-node="7,0,0" data-index-in-node="0">Owning the entire Risk product surface</strong> across both Acquisition and Portfolio Management, including onboarding risk checks, credit line increases/decreases, and internal tools for the Fraud Risk Operations team.</p> </li> <li> <p data-path-to-node="7,1,0"><strong data-path-to-node="7,1,0" data-index-in-node="0">Managing the integration layer</strong> 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.</p> </li> <li> <p data-path-to-node="7,2,0"><strong data-path-to-node="7,2,0" data-index-in-node="0">Translating complex risk model outputs into seamless product experiences</strong> by collaborating closely with Data Science and Credit Risk teams to design around model uncertainty.</p> </li> <li> <p data-path-to-node="7,3,0"><strong data-path-to-node="7,3,0" data-index-in-node="0">Defining and tracking core business metrics</strong>, including approval rates, fraud loss rates, credit utilization, credit line adjustment accuracy, and time-to-decision.</p> </li> <li> <p data-path-to-node="7,4,0"><strong data-path-to-node="7,4,0" data-index-in-node="0">Accelerating product delivery</strong> by writing clear PRDs, managing the product backlog, and driving cross-team alignment without relying on unnecessary meetings.</p> </li> <li> <p data-path-to-node="7,5,0"><strong data-path-to-node="7,5,0" data-index-in-node="0">Building no-code/low-code solutions</strong> and automating workflows using tools like <strong data-path-to-node="7,5,0" data-index-in-node="78">N8N</strong> or Oscilar.</p> </li> <li> <p data-path-to-node="7,6,0"><strong data-path-to-node="7,6,0" data-index-in-node="0">Embracing a builder mindset</strong> 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.</p> </li> </ul> <h2 data-path-to-node="9">Who you are</h2> <p data-path-to-node="10"><em data-path-to-node="10" data-index-in-node="0">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.</em></p> <h3 data-path-to-node="11">Must haves</h3> <ul data-path-to-node="12"> <li> <p data-path-to-node="12,0,0"><strong data-path-to-node="12,0,0" data-index-in-node="0">Experience:</strong> 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.</p> </li> <li> <p data-path-to-node="12,1,0"><strong data-path-to-node="12,1,0" data-index-in-node="0">Technical Fluency:</strong> Ability to prototype concepts using AI coding tools, familiarity with <strong data-path-to-node="12,1,0" data-index-in-node="89">GitHub</strong> (managing branches, commits, PRs, and reading diffs), and a solid conceptual understanding of API integrations and webhook-based event flows.</p> </li> <li> <p data-path-to-node="12,2,0"><strong data-path-to-node="12,2,0" data-index-in-node="0">Domain Knowledge:</strong> Deep understanding of credit-line mechanics (segmentation, adjustments), KYC/ID verification vendor stacks, and fraud signals (transaction blocking, step-up authentication).</p> </li> <li> <p data-path-to-node="12,3,0"><strong data-path-to-node="12,3,0" data-index-in-node="0">Data &amp; Analytics Literacy:</strong> Strong analytical skills with the ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards.</p> </li> <li> <p data-path-to-node="12,4,0"><strong data-path-to-node="12,4,0" data-index-in-node="0">Execution &amp; Communication:</strong> 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.</p> </li> <li> <p data-path-to-node="12,5,0"><strong data-path-to-node="12,5,0" data-index-in-node="0">Mindset:</strong> High agency, comfort with ambiguity, and an eagerness to operate in a lean, fast-paced squad with massive autonomy.</p> </li> </ul> <h3 data-path-to-node="13">Nice to haves</h3> <ul data-path-to-node="14"> <li> <p data-path-to-node="14,0,0">Working proficiency or basic knowledge of Spanish or Portuguese, with a desire to learn.</p> </li> <li> <p data-path-to-node="14,1,0">Product experience within LatAm fintech markets, specifically dealing with credit products in Mexico, Colombia, or Brazil.</p> </li> <li> <p data-path-to-node="14,2,0">Familiarity with specialized decisioning platforms (e.g., Oscilar) and local direct debit or payment rails (<strong data-path-to-node="14,2,0" data-index-in-node="108">SPEI</strong>, <strong data-path-to-node="14,2,0" data-index-in-node="114">Pix</strong>, <strong data-path-to-node="14,2,0" data-index-in-node="119">ACH</strong>) and their inherent risk implications.</p> </li> </ul><div class="content-conclusion"><h2 data-start="172" data-end="190"><strong data-start="172" data-end="190">Why join Clara</strong></h2> <p data-start="192" data-end="352">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.</p> <h4 data-start="354" data-end="368"><strong data-start="354" data-end="368">Who we are</strong></h4> <ul data-start="370" data-end="902"> <li data-start="370" data-end="446"> <p data-start="372" data-end="446">We’re the leading <strong data-start="390" data-end="426">B2B fintech for spend management</strong> in Latin America.</p> </li> <li data-start="447" data-end="568"> <p data-start="449" data-end="568">Certified as one of the world's fastest-growing companies, a <strong data-start="510" data-end="533">Great Place to Work</strong>, and a <strong data-start="541" data-end="565">LinkedIn Top Startup</strong>.</p> </li> <li data-start="569" data-end="643"> <p data-start="571" data-end="643">Passionate about making Latin America more prosperous and competitive.</p> </li> <li data-start="644" data-end="749"> <p data-start="646" data-end="749">Constantly innovating to build financial infrastructure that enables each of our customers to thrive.</p> </li> <li data-start="750" data-end="837"> <p data-start="752" data-end="837">Product-led, high-talent-density culture — designed for builders who raise the bar.</p> </li> <li data-start="838" data-end="902"> <p data-start="840" data-end="902">Proud of our open, inclusive, and values-driven environment.</p> </li> </ul> <h4 data-start="904" data-end="926"><strong data-start="904" data-end="926">What we believe in</strong></h4> <ul data-start="928" data-end="1366"> <li data-start="928" data-end="995"> <p data-start="930" data-end="995"><strong data-start="930" data-end="943">#Clarity.</strong> We say things clearly, directly, and proactively.</p> </li> <li data-start="996" data-end="1065"> <p data-start="998" data-end="1065"><strong data-start="998" data-end="1014">#Simplicity.</strong> We reduce noise to focus on what really matters.</p> </li> <li data-start="1066" data-end="1135"> <p data-start="1068" data-end="1135"><strong data-start="1068" data-end="1083">#Ownership.</strong> We take responsibility and never wait to be told.</p> </li> <li data-start="1136" data-end="1201"> <p data-start="1138" data-end="1201"><strong data-start="1138" data-end="1149">#Pride.</strong> We build products and experiences we’re proud of.</p> </li> <li data-start="1202" data-end="1287"> <p data-start="1204" data-end="1287"><strong data-start="1204" data-end="1234">#Always Be Changing (ABC).</strong> We grow through feedback, risk-taking, and action.</p> </li> <li data-start="1288" data-end="1366"> <p data-start="1290" data-end="1366"><strong data-start="1290" data-end="1307">#Inclusivity.</strong> Every voice counts. Everyone contributes to our mission.</p> </li> </ul> <h4 data-start="1368" data-end="1385"><strong data-start="1368" data-end="1385">What we offer</strong></h4> <ul data-start="1387" data-end="1837"> <li data-start="1387" data-end="1451"> <p data-start="1389" data-end="1451">Competitive salary and stock options (<strong data-start="1427" data-end="1435">ESOP</strong>) from day one</p> </li> <li data-start="1452" data-end="1559"> <p data-start="1454" data-end="1559">Multicultural team with daily exposure to <strong data-start="1496" data-end="1532">Portuguese, Spanish, and English</strong> (our corporate language)</p> </li> <li data-start="1560" data-end="1629"> <p data-start="1562" data-end="1629">Annual learning budget and internal accelerated development paths</p> </li> <li data-start="1630" data-end="1716"> <p data-start="1632" data-end="1716">High-ownership environment: we move fast, learn fast, and raise the bar — together</p> </li> <li data-start="1717" data-end="1770"> <p data-start="1719" data-end="1770">Smart, ambitious teammates — low ego, high impact</p> </li> <li data-start="1771" data-end="1837"> <p data-start="1773" data-end="1837">Flexible vacation and <strong data-start="1795" data-end="1816">hybrid work model</strong> focused on results</p> </li> </ul> <p data-start="1839" data-end="1951">If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.</p> <p data-start="1839" data-end="1951">&nbsp;</p> <hr> <h4 data-start="134" data-end="159">Clara’s Hybrid Policy</h4> <p data-start="161" data-end="511">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.</p> <p data-start="513" data-end="715">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.</p></div>