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.

• Lead the credit analysis team
  • Lead, coach and develop a team of credit analysts: hiring, onboarding, training, calibration and capacity/SLA planning.
  • Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround-time SLAs.
  • Run the credit approval cadence and act as escalation point for borderline, complex or high-exposure cases.

• Perform and quality-review B2B credit analysis
  • Analyze Brazilian companies’ financial health: financial statements and cash flow (DRE, balanço, DFC), revenue and margin trends, leverage, liquidity, working capital cycle and seasonality.
  • Read the whole economic group: parent and related entities, sócios and partners, cross-exposure and consolidated exposure.
  • Interpret Brazilian credit bureau and public data, understanding the limits and false positives of each source.
  • Issue or recommend credit limits and terms within a delegated authority (alçada), documenting the rationale clearly; escalate above authority.
  • Handle review triggers: renewals, limit increases/decreases, negative news, and deterioration in related accounts.

• Be the voice of the front line for credit strategy
  • 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.
  • Give structured, data-backed feedback on where policy, rules or score cutoffs don’t match what the analysis actually shows — and propose concrete adjustments.
  • Track and improve the metrics that matter for your team: approval rate, TAT, override rate and decline-reason distribution.
  • Flag early signs of deterioration in the cases your team touches, so the owners of portfolio monitoring can act on them.

• Drive automation and simplification
  • 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.
  • Continuously re-draw the line between what gets auto-approved and what an analyst must review.
  • 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.

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.
• Inclusivity — Diverse ideas, stories and perspectives build a better Clara.

If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.