Credit Operations & Control Desk Analyst (Analista de Operações de Crédito e Mesa de Controle) – São Paulo (Hybrid)

<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><div class="section page-centered"> <div><strong>What you’ll do</strong><br><br>We’re looking for a <strong>Credit Operations &amp; Control Desk Analyst</strong> to support the safe, efficient, and scalable growth of Clara’s credit portfolio in Brazil.<br>This role plays a critical part in ensuring that business customers are properly onboarded, credit approval conditions are met, and operational risks are identified and addressed before credit facilities are activated.<br>You’ll work closely with Credit, Risk, Sales, Compliance, Legal, and Technology teams to ensure accurate execution of credit processes, strong internal controls, and a seamless customer experience.<br>We’re looking for someone with a strong analytical mindset, attention to detail, and a hands-on approach to problem-solving. You’ll have the opportunity to challenge existing processes, identify opportunities for automation, and contribute to building scalable credit operations.<br><br><strong>Key Responsibilities</strong></div> <div>&nbsp;</div> <div><strong>Credit Operations &amp; Onboarding</strong></div> <ul> <li>Review and validate corporate, legal, and financial documentation throughout the customer onboarding and credit activation process.</li> <li>Verify company registration information (CNPJ), corporate structures, legal representatives, powers of attorney, and supporting documentation.</li> <li>Ensure that credit approval conditions, documentation requirements, and internal policies are fulfilled before credit facilities are activated.</li> <li>Monitor automated onboarding workflows, identify exceptions, and ensure accurate and timely case resolution.</li> <li>Coordinate with Credit, Risk, Compliance, Legal, and Sales teams to resolve pending requirements and operational issues.</li> </ul> <div><strong>Risk Management &amp; Internal Controls</strong></div> <ul> <li>Identify inconsistencies, potential fraud indicators, documentation gaps, and operational risks, ensuring timely escalation when necessary.</li> <li>Support KYC, KYB, and CDD controls in coordination with Compliance, ensuring adherence to internal policies and applicable regulatory requirements.</li> <li>Maintain accurate records, supporting evidence, and audit trails to ensure transparency and traceability.</li> <li>Apply sound judgment to determine when cases can proceed, require additional validation, or must be escalated for further review.</li> <li>Support the implementation and monitoring of preventive controls to minimize operational and credit-related risks.</li> </ul> <div><strong>Process Improvement &amp; Automation</strong></div> <ul> <li>Identify bottlenecks, recurring issues, and opportunities to simplify and improve operational workflows.</li> <li>Collaborate with Technology and other stakeholders to support process automation, system enhancements, and testing of new solutions.</li> <li>Monitor operational KPIs, turnaround times, and SLAs, contributing to improvements in efficiency and service quality.</li> <li>Document procedures, operational controls, and exception-handling processes to support consistency and scalability.</li> <li>Leverage data and AI-powered tools to improve accuracy, reduce manual activities, and strengthen operational controls.</li> </ul> <div> <div><strong>What Success Looks Like</strong></div> <ul> <li>Credit onboarding and activation processes are completed accurately, efficiently, and within established SLAs.</li> <li>Credit approval conditions and documentation requirements are consistently verified before activation.</li> <li>Operational risks, inconsistencies, and exceptions are identified and escalated in a timely manner.</li> <li>Internal controls, documentation quality, and audit readiness are continuously strengthened.</li> <li>Manual processes and recurring operational issues are reduced through automation and continuous improvement.</li> </ul> <strong>Who you are</strong></div> <div><br>We’re looking for someone who combines analytical thinking, strong execution skills, and a proactive approach to problem-solving.<br>You are comfortable working in a fast-paced environment, managing multiple priorities, and collaborating across teams. You take ownership of your responsibilities, challenge inefficient processes, and understand the importance of balancing operational efficiency with risk management.</div> <div>&nbsp;</div> <div><strong>Must Haves</strong></div> <ul> <li>2+ years of experience in <strong>Credit Operations, Credit Formalization, Control Desk, Financial Operations, or related roles</strong> within banks, fintechs, financial institutions, or similar fields.</li> <li>Experience working with corporate clients (B2B/PJ), including the review and validation of corporate and legal documentation.</li> <li>Understanding of credit onboarding processes, internal controls, and operational risk management.</li> <li>Familiarity with KYC/KYB requirements and customer due diligence processes.</li> <li>Strong analytical skills, attention to detail, and ability to identify inconsistencies and potential risks.</li> <li>Proficiency in Excel or Google Sheets, including data analysis and operational reporting.</li> <li>Strong organizational skills and ability to manage multiple cases while meeting established SLAs.</li> <li>Strong communication skills and ability to collaborate with cross-functional teams.</li> <li>A proactive, problem-solving mindset with a strong sense of ownership and accountability.</li> <li>Fluency in Portuguese and intermediate English proficiency.</li> </ul> <div><strong>Nice to Haves</strong></div> <ul> <li>Experience in B2B lending, corporate credit, or credit products within a fintech environment.</li> <li>Knowledge of Brazilian corporate documentation, credit agreements, and guarantee formalization.</li> <li>Experience reviewing financial statements and basic credit risk indicators.</li> <li>Familiarity with BI tools, SQL, workflow automation, or operational dashboards.</li> <li>Experience identifying fraud indicators or supporting fraud prevention controls.</li> <li>Familiarity with AI tools and their application to operational efficiency and process improvement.</li> <li>Basic Spanish proficiency or willingness to learn.</li> <li>A good sense of humor</li> </ul> </div> <p><strong>Where we work</strong></p> <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>