Credit Policy Specialist – LatAm

What you'll do

We're looking for a Credit Strategy Specialist to design, implement, and optimize credit strategies that directly impact growth, risk, and customer experience. This role sits at the intersection of data, risk, and business, owning key levers such as credit policies, limit-setting frameworks, and decision rules. You will work closely with Data, Operations, and Commercial teams to ensure we scale responsibly while maximizing approval rates and portfolio performance.

Your work will directly influence who we approve, how much we lend, and how we manage risk dynamically across the lifecycle.

• Own credit strategy design: Define and evolve underwriting policies, approval criteria, and limit-setting frameworks.
• Translate data into decisions: Leverage analytics and model outputs to drive actionable credit rules.
• Optimize portfolio performance: Balance approval rates, revenue, and loss rates through continuous strategy iteration.
• Design decision frameworks: Build and refine rules for acquisition, line increases, and ongoing exposure management.
• Monitor and react to performance: Track key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly.
• Drive experimentation: Run A/B tests and controlled rollouts to improve credit outcomes.
• Improve processes: Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using tools like N8N for automation where applicable.
• Collaborate cross-functionally: Work with Product, Data, and Growth teams to align credit strategy with business goals, utilizing Metabase or Databricks for data visualization and analysis.

Must haves

• 3+ years of experience in credit risk, strategy, or analytics within financial services or fintech.
• Strong understanding of credit risk fundamentals (underwriting, exposure, loss drivers, portfolio dynamics).
• Proven experience in credit policy design and implementation.
• Advanced SQL skills and strong data intuition.
• Experience working with large datasets and analytical tools like Databricks .
• Working proficiency in English and Portuguese.
• Experience or interest in AI tools to automate workflows.
• Adaptability to fast-changing environments and excellent verbal and written communication.

Nice to haves

• Experience in B2B lending, corporate cards, or fintech environments.
• Exposure to Latin American markets and their specific data limitations.
• Familiarity with decision engines or rule-based systems.
• Independent analytical skills using Python .
• A good sense of humor.

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

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.