B2B Senior Credit Analyst

About Klar Let’s start with the basics! Klar is a Mexican fintech startup whose mission is to democratize and revolutionize the way in which financial services have been delivered so far in Mexico, especially since half of the population doesn’t have a bank account. We offer a rich set of products across our debit and credit offers and the future is bright for Klar! We have an exciting and ambitious roadmap to bring more features to our products so that we can better serve our users. We have served more than 7 million users since our launch in 2019! We are also proud to have been certified in 2023 as a “Great Place to Work” in Mexico - we’ve worked hard to make that happen and will continue to make bigger strides in the future! Sound like a place you’d like to be? Our people If you join us at Klar, you’ll be welcomed to a team which is rich in many talents and we are very proud! With our head office in Mexico City, and remote tech hubs in Berlin and Argentina, we are always learning something new about another culture or language. With so many people from different backgrounds and walks of life (young professionals, parents, LGBTQ+, neurodivergence), you’ll definitely find your people here! Our values Ownership - We own our successes & our failures as a team. Excellence - We do everything to the best of our ability & always seek to achieve a new level of excellence in our work. Inclusion - We believe we are stronger together and actively work to promote a safe, diverse, inclusive, and respectful culture. Customer Obsession - We understand the value Klar can bring to its customers & it’s always at the forefront of our decisions. Klarity - We communicate clearly & with authenticity. It’s in our name & it’s what we do. The position and your daily adventures This is a full-time position based in our Mexico City office with a hybrid model, therefore we are looking forward to seeing you in our office 2-3 times per week. About the Role We are looking for a highly analytical, strategic, and autonomous professional to take end-to-end ownership of our B2B Credit vertical. In this role, you will be the ultimate orchestrator of our B2B portfolio: balancing aggressive business growth with robust risk management. You will not just monitor the portfolio; you will design, automate, and scale our credit policies, underwriting engines, and data infrastructure, acting as a key strategic partner for growth, data, and risk leadership. What you can expect: Strategic Leadership : Own and execute the end-to-end business and credit strategy for the B2B vertical, directly impacting company growth and profitability goals. Credit & Underwriting Innovation : Design, optimize, and automate credit policies and underwriting strategies to maximize approval rates while keeping delinquency within target. Portfolio & Risk Governance : Lead the monitoring of high-level credit KPIs. Proactively identify risks and design mitigation strategies. Data Infrastructure & Insights : Architect and maintain advanced data pipelines and BI dashboards to deliver actionable insights to C-level executives and stakeholders. High-Stakes Stakeholder Management : Lead cross-functional alignment and strategic dialogue with Product, Engineering, Data, Growth, and Sales teams to build scalable credit products. What we are looking for: Bachelor’s degree in Math, Business, Finance, Economics, or related field. 3+ years of experience in B2B Credit Risk, Fintechs, Corporate Banking, or Management Consulting. Strong analytical skills and data-driven. Strong proficiency in SQL (required) and experience with Python/R for data analysis or credit scoring models is highly desirable. Experience in BI tools (Metabase, Looker Studio, etc.) is a plus. Exceptional communication skills with the ability to translate complex risk metrics into business opportunities and influence decision-making at the executive level. Advanced English level Our offer to you: Competitive salary based on performance and experience Chance of earning Klar stock options 15 days of paid vacation per year; plus extended maternity and paternity leaves Vacation premium 30 days of Christmas bonus Food vouchers Medical Insurance Computer device Wellhub subscription to offer mental and physical health Sponsored coaching and therapy sessions via Modern Health A modern centrally located office in Mexico City with free drinks, snacks, and regular social events International work environment with amazing and highly skilled people A world class team that helps you evolve your skills in areas you're interested in Klar is a safe place for everyone! We trust our highly skilled and diverse team and we’re committed to creating a welcoming and inclusive environment for new talents to flourish. We value diversity and welcome all applications regardless of gender, nationality, ethnic and social origin, religion/belief, physical abilities, age, sexual orientation and identity. Should you require any accommodations through the recruitment process, please don’t hesitate to let us know how we can help!