Descrição da vaga
<div class="content-intro"><p><strong>Clara is the leading platform in Latin America for companies to execute and manage every payment operation.</strong> 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.</p></div><h3 data-path-to-node="1">What you'll do</h3>
<p>We’re looking for a <strong>Credit Analysis Lead</strong> to own the credit analysis function for our B2B clients in Brazil. You’ll lead a team of credit analysts who assess companies and recommend credit lines, and you’ll be accountable for the <strong>quality, speed, and consistency of every credit decision</strong> that comes through the desk.<br><br>Your ownership starts when a credit request enters the credit desk (new client, limit increase, renewal, or triggered review) and covers everything until a <strong>credit decision is issued</strong> (approve / decline / amount and terms) and later <strong>maintained</strong> (renewals, limit adjustments, periodic reviews). Other teams own the steps before and after that path — but you still own making sure the whole flow works: if something upstream delays a case or something downstream breaks the experience, it’s your problem to raise and get fixed.<br><br>You’ll partner closely with Sales, Risk, Product/Data and Collections to keep the credit flow fast, the portfolio healthy and the analysis workflow scalable</p>
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<ul>
<li><strong>Lead the credit analysis team</strong>
<ul>
<li>Lead, coach and develop a team of credit analysts: hiring, onboarding, training, calibration and capacity/SLA planning.</li>
<li>Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround-time SLAs.</li>
<li>Run the credit approval cadence and act as escalation point for borderline, complex or high-exposure cases.</li>
</ul>
</li>
</ul>
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<ul>
<li><strong>Perform and quality-review B2B credit analysis<br></strong>
<ul>
<li>Analyze Brazilian companies’ financial health: financial statements and cash flow (DRE, balanço, DFC), revenue and margin trends, leverage, liquidity, working capital cycle and seasonality.</li>
<li>Read the whole economic group: parent and related entities, sócios and partners, cross-exposure and consolidated exposure.</li>
<li>Interpret Brazilian credit bureau and public data, understanding the limits and false positives of each source.</li>
<li>Issue or recommend credit limits and terms within a delegated authority (alçada), documenting the rationale clearly; escalate above authority.</li>
<li>Handle review triggers: renewals, limit increases/decreases, negative news, and deterioration in related accounts.</li>
</ul>
</li>
</ul>
</div>
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<ul>
<li><strong>Be the voice of the front line for credit strategy</strong>
<ul>
<li>Act as the closest point to real client cases: surface patterns, edge cases and segment realities back to the teams that own credit policy, scorecards and portfolio strategy.</li>
<li>Give structured, data-backed feedback on where policy, rules or score cutoffs don’t match what the analysis actually shows — and propose concrete adjustments.</li>
<li>Track and improve the metrics that matter for your team: approval rate, TAT, override rate and decline-reason distribution.</li>
<li>Flag early signs of deterioration in the cases your team touches, so the owners of portfolio monitoring can act on them.</li>
</ul>
</li>
</ul>
</div>
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<ul>
<li><strong>Drive automation and simplification</strong>
<ul>
<li>Partner with Product, Data and Engineering to automate bureau pulls, decision rules and scorecards, and to simplify the analyst workflow so the team scales without adding headcount.</li>
<li>Continuously re-draw the line between what gets auto-approved and what an analyst must review.</li>
<li>Build your own analyses and lightweight tools (AI-assisted coding, scripts, no-code/low-code) to take manual work out of your team’s day-to-day — you don’t need to be an engineer, but you should be able to ship something yourself.</li>
</ul>
</li>
</ul>
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<h3 data-path-to-node="4">Who you are</h3>
<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>
<h3 data-path-to-node="1">Must haves:</h3>
<ul>
<li>5+ years in credit risk / corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis.</li>
<li>2+ years leading or coordinating a credit analysis team (manager, coordinator or supervisor), with a track record of developing analysts.</li>
<li>Deep working knowledge of Brazilian credit bureau data and scoring, including what each source does and doesn’t tell you.</li>
<li>Experience working within credit policy and approval alçadas, with a strong instinct for when a case deserves to be challenged.</li>
<li>Comfort with data: advanced spreadsheets plus, ideally, SQL and a BI tool (Looker, Metabase, Tableau) to pull and validate your own numbers.</li>
<li>Curious and hands-on with tooling: able to build your own small automations, scripts or internal tools (AI-assisted coding, no-code/low-code) to remove manual work from your team. We’re not hiring an engineer, but we do expect you to ship.</li>
<li>Strong written communication and attention to detail; able to defend decisions to commercial and risk stakeholders.</li>
</ul>
<h3 data-path-to-node="1">Nice to haves:</h3>
<ul>
<li>Fintech or B2B credit scale-up experience in LATAM; lending to PMEs and mid-market.</li>
<li>Exposure to scorecard/model development, monitoring and credit model governance.</li>
<li>Familiarity with Google Workspace, Zendesk and HubSpot (or similar).</li>
<li>Spanish (or willingness to learn).</li>
</ul>
<h3 data-path-to-node="1">Where we work:</h3>
<p>This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.</p><div class="content-conclusion"><h2>Why Clara</h2>
<ul>
<li><strong>A high talent-density team</strong> driven to make an impact in Latin America — low ego, high ownership.</li>
<li>Competitive salary and stock options (ESOP) from day one.</li>
<li>An annual learning budget and accelerated development paths.</li>
<li>English is our working language, with Spanish and Portuguese every day.</li>
</ul>
<h2>How we work</h2>
<ul>
<li><strong>Clarity</strong> — Open and direct communication: we say what we mean and give context where it matters.</li>
<li><strong>Simplicity</strong> — If it can be simpler, it should be.</li>
<li><strong>Ownership</strong> — We own everything we do, end to end. When something needs to happen, we don't wait.</li>
<li><strong>Pride</strong> — We hold ourselves to a high standard, and it shows in what we deliver.</li>
<li><strong>ABC (Always Be Changing)</strong> — We adapt fast, embrace change, and keep learning.</li>
<li><strong>Inclusivity</strong> — Diverse ideas, stories and perspectives build a better Clara.</li>
</ul>
<p>If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.</p></div>