Credit Risk Expert

Back to jobs Credit Risk Expert (Experto/a en Riesgo de Crédito)
- Hybrid Bogota / CUN / Colombia; Bogota D.
C. / DC / Colombia Ready to accelerate your career? 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. 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. 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.

What you'll do
We’re looking for a Credit Risk Expert to work with a high-performing team of risk specialist and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company’s business strategy. You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler. Your Responsibilities Will Include: Support modeling initiatives, collaborating across teams to align with business and risk goals Drive innovation in data science analysis to enhance decision-making and operational efficiency Provide data intelligence and analytics to support credit risk strategies and portfolio performance Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses) Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters Identify and implement process enhancements to improve efficiency, scalability, and outcomes Communicate findings and recommendations clearly to senior leadership and key stakeholders Non-negotiable

Requirements:
Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design Proven strong experience in credit risk management in Latin American markets Advanced proficiency in SQL and data visualization tools High attention to data quality and integrity, especially within financial datasets Proficient in sql or other common modeling languages Fluency in english is required Main Professional

Skills:
Strong project management and cross-functional coordination skills of high-impact data science or modeling projects Hands-on experience in credit risk portfolio management Proficient in using robust data as input of data driven analysis pipelines and model architectures Strong skills in predictive analytics and business-driven model design Experienced in model monitoring, backtesting, and performance evaluation Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses Passion for working in teamwork, independence and going to extra mile You'll get some high value extra points if you have: Fintech industry experience, ideally in fast-paced, high-growth environments Experience navigating financial audits, understanding documentation and compliance expectations Understanding of financial conciliation processes and operational finance systems Exposure to credit card and payments ecosystems A collaborative, solution-oriented mindset with a passion for building from scratch Familiarity with Latin American regulatory and compliance standards Comfortable using modern collaboration tools (Slack, Notion, etc.) Experience in credit risk in Latinamerica working with B2B solutions Why join Clara 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. Who We Are We’re the leading B2B fintech for spend management in Latin America. Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup. Passionate about making Latin America more prosperous and competitive. Constantly innovating to build financial infrastructure that enables each of our customers to thrive. Product-led, high-talent-density culture — designed for builders who raise the bar. Proud of our open, inclusive, and values-driven environment. What We Believe In #Clarity. We say things clearly, directly, and proactively. #Simplicity. We reduce noise to focus on what really matters. #Ownership. We take responsibility and never wait to be told. #Pride. We build products and experiences we’re proud of. #Always Be Changing (ABC). We grow through feedback, risk-taking, and action. #Inclusivity. Every voice counts. Everyone contributes to our mission.

What We Offer
Competitive salary and stock options (ESOP) from day one Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language) Annual learning budget and internal accelerated development paths High-ownership environment: we move fast, learn fast, and raise the bar — together Smart, ambitious teammates — low ego, high impact Flexible vacation and hybrid work model focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. Clara’s Hybrid Policy 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. 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. Create a Job Alert Interested in building your career at Clara ? Get future opportunities sent straight to your email. Create alert Apply for this job indicates a required field First Name
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* 244 results found No results found Afghanistan+93 Åland Islands+358 Albania+355 Algeria+213 American Samoa+1 Andorra+376 Angola+244 Anguilla+1 Antigua & Barbuda+1 Argentina+54 Armenia+374 Aruba+297 Ascension Island+247 Australia+61 Austria+43 Azerbaijan+994 Bahamas+1 Bahrain+973 Bangladesh+880 Barbados+1 Belarus+375 Belgium+32 Belize+501 Benin+229 Bermuda+1 Bhutan+975 Bolivia+591 Bosnia & Herzegovina+387 Botswana+267 Brazil+55 British Indian Ocean Territory+246 British Virgin Islands+1 Brunei+673 Bulgaria+359 Burkina Faso+226 Burundi+257 Cambodia+855 Cameroon+237 Canada+1 Cape Verde+238 Caribbean Netherlands+599 Cayman Islands+1 Central African Republic+236 Chad+235 Chile+56 China+86 Christmas Island+61 Cocos (Keeling) Islands+61 Colombia+57 Comoros+269 Congo
- Brazzaville+242 Congo
- Kinshasa+243 Cook Islands+682 Costa Rica+506 Côte d’Ivoire+225 Croatia+385 Cuba+53 Curaçao+599 Cyprus+357 Czechia+420 Denmark+45 Djibouti+253 Dominica+1 Dominican Republic+1 Ecuador+593 Egypt+20 El Salvador+503 Equatorial Guinea+240 Eritrea+291 Estonia+372 Eswatini+268 Ethiopia+251 Falkland Islands+500 Faroe Islands+298 Fiji+679 Finland+358 France+33 French Guiana+594 French Polynesia+689 Gabon+241 Gambia+220 Georgia+995 Germany+49 Ghana+233 Gibraltar+350 Greece+30 Greenland+299 Grenada+1 Guadeloupe+590 Guam+1 Guatemala+502 Guernsey+44 Guinea+224 Guinea-Bissau+245 Guyana+592 Haiti+509 Honduras+504 Hong Kong SAR China+852 Hungary+36 Iceland+354 India+91 Indonesia+62 Iran+98 Iraq+964 Ireland+353 Isle of Man+44 Israel+972 Italy+39 Jamaica+1 Japan+81 Jersey+44 Jordan+962 Kazakhstan+7 Kenya+254 Kiribati+686 Kosovo+383 Kuwait+965 Kyrgyzstan+996 Laos+856 Latvia+371 Lebanon+961 Lesotho+266 Liberia+231 Libya+218 Liechtenstein+423 Lithuania+370 Luxembourg+352 Macao SAR China+853 Madagascar+261 Malawi+265 Malaysia+60 Maldives+960 Mali+223 Malta+356 Marshall Islands+692 Martinique+596 Mauritania+222 Mauritius+230 Mayotte+262 Mexico+52 Micronesia+691 Moldova+373 Monaco+377 Mongolia+976 Montenegro+382 Montserrat+1 Morocco+212 Mozambique+258 Myanmar (Burma)+95 Namibia+264 Nauru+674 Nepal+977 Netherlands+31 New Caledonia+687 New Zealand+64 Nicaragua+505 Niger+227 Nigeria+234 Niue+683 Norfolk Island+672 North Korea+850 North Macedonia+389 Northern Mariana Islands+1 Norway+47 Oman+968 Pakistan+92 Palau+680 Palestinian Territories+970 Panama+507 Papua New Guinea+675 Paraguay+595 Peru+51 Philippines+63 Poland+48 Portugal+351 Puerto Rico+1 Qatar+974 Réunion+262 Romania+40 Russia+7 Rwanda+250 Samoa+685 San Marino+378 São Tomé & Príncipe+239 Saudi Arabia+966 Senegal+221 Serbia+381 Seychelles+248 Sierra Leone+232 Singapore+65 Sint Maarten+1 Slovakia+421 Slovenia+386 Solomon Islands+677 Somalia+252 South Africa+27 South Korea+82 South Sudan+211 Spain+34 Sri Lanka+94 St. Barthélemy+590 St. Helena+290 St. Kitts & Nevis+1 St. Lucia+1 St. Martin+590 St. Pierre & Miquelon+508 St. Vincent & Grenadines+1 Sudan+249 Suriname+597 Svalbard & Jan Mayen+47 Sweden+46 Switzerland+41 Syria+963 Taiwan+886 Tajikistan+992 Tanzania+255 Thailand+66 Timor-Leste+670 Togo+228 Tokelau+690 Tonga+676 Trinidad & Tobago+1 Tunisia+216 Turkey+90 Turkmenistan+993 Turks & Caicos Islands+1 Tuvalu+688 U.
S. Virgin Islands+1 Uganda+256 Ukraine+380 United Arab Emirates+971 United Kingdom+44 United States+1 Uruguay+598 Uzbekistan+998 Vanuatu+678 Vatican City+39 Venezuela+58 Vietnam+84 Wallis & Futuna+681 Western Sahara+212 Yemen+967 Zambia+260 Zimbabwe+263 Resume/CV
* Attach Enter manually Accepted file types: pdf, doc, docx, txt, rtf LinkedIn Profile
* Paste the full URL, e.g. linkedin.com/in/your-name Github profile Website Location
* City and country, e.g. Bogotá, Colombia English Level
* Select... Why do you want to join Clara, and why are you the right fit for this specific role?
* 3–5 sentences. Name one thing about this role specifically. Tell us about something concrete you have built or worked on with AI. Share a link if available:
* A specific example beats a list of tools. Clarity wins. Can you explain your biggest career win in one sentence?
* Change is constant. What’s the last skill, habit, or mindset you upgraded to stay ahead?
* Absolute ownership is how the best teams run: master your role, then elevate others. Tell us about how you've given it all to win.
* Please share your monthly salary expectation
* Monthly gross base salary, numbers only — pick the currency below. Currency
* Select... Ready to accelerate your career? 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. 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. 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.

What you'll do
We’re looking for a Credit Risk Expert to work with a high-performing team of risk specialist and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company’s business strategy. You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler. Your Responsibilities Will Include: Support modeling initiatives, collaborating across teams to align with business and risk goals Drive innovation in data science analysis to enhance decision-making and operational efficiency Provide data intelligence and analytics to support credit risk strategies and portfolio performance Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses) Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters Identify and implement process enhancements to improve efficiency, scalability, and outcomes Communicate findings and recommendations clearly to senior leadership and key stakeholders Non-negotiable

Requirements:
Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design Proven strong experience in credit risk management in Latin American markets Advanced proficiency in SQL and data visualization tools High attention to data quality and integrity, especially within financial datasets Proficient in sql or other common modeling languages Fluency in english is required Main Professional

Skills:
Strong project management and cross-functional coordination skills of high-impact data science or modeling projects Hands-on experience in credit risk portfolio management Proficient in using robust data as input of data driven analysis pipelines and model architectures Strong skills in predictive analytics and business-driven model design Experienced in model monitoring, backtesting, and performance evaluation Familiarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit losses Passion for working in teamwork, independence and going to extra mile You'll get some high value extra points if you have: Fintech industry experience, ideally in fast-paced, high-growth environments Experience navigating financial audits, understanding documentation and compliance expectations Understanding of financial conciliation processes and operational finance systems Exposure to credit card and payments ecosystems A collaborative, solution-oriented mindset with a passion for building from scratch Familiarity with Latin American regulatory and compliance standards Comfortable using modern collaboration tools (Slack, Notion, etc.) Experience in credit risk in Latinamerica working with B2B solutions Why join Clara 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. Who We Are We’re the leading B2B fintech for spend management in Latin America. Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup. Passionate about making Latin America more prosperous and competitive. Constantly innovating to build financial infrastructure that enables each of our customers to thrive. Product-led, high-talent-density culture — designed for builders who raise the bar. Proud of our open, inclusive, and values-driven environment. What We Believe In #Clarity. We say things clearly, directly, and proactively. #Simplicity. We reduce noise to focus on what really matters. #Ownership. We take responsibility and never wait to be told. #Pride. We build products and experiences we’re proud of. #Always Be Changing (ABC). We grow through feedback, risk-taking, and action. #Inclusivity. Every voice counts. Everyone contributes to our mission.

What We Offer
Competitive salary and stock options (ESOP) from day one Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language) Annual learning budget and internal accelerated development paths High-ownership environment: we move fast, learn fast, and raise the bar — together Smart, ambitious teammates — low ego, high impact Flexible vacation and hybrid work model focused on results If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. Clara’s Hybrid Policy 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. 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. 244 results found No results found Afghanistan+93 Åland Islands+358 Albania+355 Algeria+213 American Samoa+1 Andorra+376 Angola+244 Anguilla+1 Antigua & Barbuda+1 Argentina+54 Armenia+374 Aruba+297 Ascension Island+247 Australia+61 Austria+43 Azerbaijan+994 Bahamas+1 Bahrain+973 Bangladesh+880 Barbados+1 Belarus+375 Belgium+32 Belize+501 Benin+229 Bermuda+1 Bhutan+975 Bolivia+591 Bosnia & Herzegovina+387 Botswana+267 Brazil+55 British Indian Ocean Territory+246 British Virgin Islands+1 Brunei+673 Bulgaria+359 Burkina Faso+226 Burundi+257 Cambodia+855 Cameroon+237 Canada+1 Cape Verde+238 Caribbean Netherlands+599 Cayman Islands+1 Central African Republic+236 Chad+235 Chile+56 China+86 Christmas Island+61 Cocos (Keeling) Islands+61 Colombia+57 Comoros+269 Congo
- Brazzaville+242 Congo
- Kinshasa+243 Cook Islands+682 Costa Rica+506 Côte d’Ivoire+225 Croatia+385 Cuba+53 Curaçao+599 Cyprus+357 Czechia+420 Denmark+45 Djibouti+253 Dominica+1 Dominican Republic+1 Ecuador+593 Egypt+20 El Salvador+503 Equatorial Guinea+240 Eritrea+291 Estonia+372 Eswatini+268 Ethiopia+251 Falkland Islands+500 Faroe Islands+298 Fiji+679 Finland+358 France+33 French Guiana+594 French Polynesia+689 Gabon+241 Gambia+220 Georgia+995 Germany+49 Ghana+233 Gibraltar+350 Greece+30 Greenland+299 Grenada+1 Guadeloupe+590 Guam+1 Guatemala+502 Guernsey+44 Guinea+224 Guinea-Bissau+245 Guyana+592 Haiti+509 Honduras+504 Hong Kong SAR China+852 Hungary+36 Iceland+354 India+91 Indonesia+62 Iran+98 Iraq+964 Ireland+353 Isle of Man+44 Israel+972 Italy+39 Jamaica+1 Japan+81 Jersey+44 Jordan+962 Kazakhstan+7 Kenya+254 Kiribati+686 Kosovo+383 Kuwait+965 Kyrgyzstan+996 Laos+856 Latvia+371 Lebanon+961 Lesotho+266 Liberia+231 Libya+218 Liechtenstein+423 Lithuania+370 Luxembourg+352 Macao SAR China+853 Madagascar+261 Malawi+265 Malaysia+60 Maldives+960 Mali+223 Malta+356 Marshall Islands+692 Martinique+596 Mauritania+222 Mauritius+230 Mayotte+262 Mexico+52 Micronesia+691 Moldova+373 Monaco+377 Mongolia+976 Montenegro+382 Montserrat+1 Morocco+212 Mozambique+258 Myanmar (Burma)+95 Namibia+264 Nauru+674 Nepal+977 Netherlands+31 New Caledonia+687 New Zealand+64 Nicaragua+505 Niger+227 Nigeria+234 Niue+683 Norfolk Island+672 North Korea+850 North Macedonia+389 Northern Mariana Islands+1 Norway+47 Oman+968 Pakistan+92 Palau+680 Palestinian Territories+970 Panama+507 Papua New Guinea+675 Paraguay+595 Peru+51 Philippines+63 Poland+48 Portugal+351 Puerto Rico+1 Qatar+974 Réunion+262 Romania+40 Russia+7 Rwanda+250 Samoa+685 San Marino+378 São Tomé & Príncipe+239 Saudi Arabia+966 Senegal+221 Serbia+381 Seychelles+248 Sierra Leone+232 Singapore+65 Sint Maarten+1 Slovakia+421 Slovenia+386 Solomon Islands+677 Somalia+252 South Africa+27 South Korea+82 South Sudan+211 Spain+34 Sri Lanka+94 St. Barthélemy+590 St. Helena+290 St. Kitts & Nevis+1 St. Lucia+1 St. Martin+590 St. Pierre & Miquelon+508 St. Vincent & Grenadines+1 Sudan+249 Suriname+597 Svalbard & Jan Mayen+47 Sweden+46 Switzerland+41 Syria+963 Taiwan+886 Tajikistan+992 Tanzania+255 Thailand+66 Timor-Leste+670 Togo+228 Tokelau+690 Tonga+676 Trinidad & Tobago+1 Tunisia+216 Turkey+90 Turkmenistan+993 Turks & Caicos Islands+1 Tuvalu+688 U.
S. Virgin Islands+1 Uganda+256 Ukraine+380 United Arab Emirates+971 United Kingdom+44 United States+1 Uruguay+598 Uzbekistan+998 Vanuatu+678 Vatican City+39 Venezuela+58 Vietnam+84 Wallis & Futuna+681 Western Sahara+212 Yemen+967 Zambia+260 Zimbabwe+263 Paste the full URL, e.g. linkedin.com/in/your-name City and country, e.g. Bogotá, Colombia 3–5 sentences. Name one thing about this role specifically. A specific example beats a list of tools. Monthly gross base salary, numbers only — pick the currency below.