Product Lead, Collections (Líder de Producto, Cobranza)

<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><p data-path-to-node="1"><strong data-path-to-node="1" data-index-in-node="0">What you'll do</strong></p> <p data-path-to-node="2">We're looking for a <strong data-path-to-node="2" data-index-in-node="20">Product Lead, Collections</strong> to own the strategy, execution, and business outcomes for our Collections squad at Clara. In this role, you will lead a squad sitting at the intersection of credit risk, finance operations, and customer experience—ensuring we recover what's owed efficiently, compliantly, and without compromising customer trust. You will partner with senior software engineers alongside Risk, Finance, Legal, and Customer Support to drive the end-to-end collection lifecycle, lending facilities management, and delinquent portfolio tools.</p> <ul data-path-to-node="3"> <li> <p data-path-to-node="3,0,0">Own discovery, prioritization, and business outcomes for the squad, driving impact across recovery rates, days-to-resolution, roll rates, and operational costs.</p> </li> <li> <p data-path-to-node="3,1,0">Talk to internal finance and collections teams weekly to identify friction points, automate manual tasks, and optimize internal operational tooling.</p> </li> <li> <p data-path-to-node="3,2,0">Design and iterate on collections workflows, ranging from automated early-stage nudges and digital payment use cases to late-stage escalation paths and external partner handoffs.</p> </li> <li> <p data-path-to-node="3,3,0">Manage delinquent portfolio tools, early delinquency signals, and regulatory compliance requirements across our core Latin American markets (Mexico, Colombia, and Brazil).</p> </li> <li> <p data-path-to-node="3,4,0">Prototype and validate product ideas using AI tools before committing engineering bandwidth, occasionally contributing code changes (copy, configuration, feature flags, or analytics instrumentation) through standard GitHub PRs.</p> </li> <li> <p data-path-to-node="3,5,0">Collaborate closely with engineering to support max uptime, system reliability, and rapid recovery processes.</p> </li> </ul> <p data-path-to-node="4"><strong data-path-to-node="4" data-index-in-node="0">Who you are</strong></p> <p data-path-to-node="5"><em data-path-to-node="5" 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> <p data-path-to-node="6"><strong data-path-to-node="6" data-index-in-node="0">Must haves</strong></p> <ul data-path-to-node="7"> <li> <p data-path-to-node="7,0,0">Working proficiency in English.</p> </li> <li> <p data-path-to-node="7,1,0">5+ years in product management, with at least 2 years owning a credit, collections, or risk-adjacent product within a fintech, bank, or lending company.</p> </li> <li> <p data-path-to-node="7,2,0">Proven track record of directly moving core business metrics and taking full ownership of product outcomes from discovery to execution.</p> </li> <li> <p data-path-to-node="7,3,0">Hands-on technical fluency with web architecture concepts (APIs, services, databases, message queuing) and comfortable using <strong data-path-to-node="7,3,0" data-index-in-node="125">Github</strong> workflows (branches, commits, PRs, diffs).</p> </li> <li> <p data-path-to-node="7,4,0">Experience or interest in AI tools to automate workflows, validate ideas early, and optimize day-to-day work.</p> </li> <li> <p data-path-to-node="7,5,0">Strong data literacy with hands-on experience writing <strong data-path-to-node="7,5,0" data-index-in-node="54">SQL</strong>, conducting cohort analysis, and running experiment design.</p> </li> <li> <p data-path-to-node="7,6,0">Excellent verbal and written communication skills with demonstrated ability to drive cross-functional alignment across technical and non-technical stakeholders.</p> </li> <li> <p data-path-to-node="7,7,0">Adaptability to fast-changing environments, operating with high agency and a bias toward action.</p> </li> </ul> <p data-path-to-node="8"><strong data-path-to-node="8" data-index-in-node="0">Nice to haves</strong></p> <ul data-path-to-node="9"> <li> <p data-path-to-node="9,0,0">Basic proficiency in Spanish or Portuguese or a desire to learn it.</p> </li> <li> <p data-path-to-node="9,1,0">Cross-border experience across Latin American markets (MX, CO, BR), including knowledge of market-specific payment gateways, external collections agency integrations, or local debt recovery regulations.</p> </li> <li> <p data-path-to-node="9,2,0">Independent analytical skills using spreadsheets, <strong data-path-to-node="9,2,0" data-index-in-node="50">SQL</strong>, or Python to build custom dashboards and run deep-dive data pulls.</p> </li> <li> <p data-path-to-node="9,3,0">A good sense of humor.</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>