Buisness Architect (Credit)

About Klar We're turning one of the world's largest underbanked markets into something fairer, simpler, and more transparent. 7 million users served since 2019. Uber's first global credit card, built right here in Mexico. Klar Empresarial, a brand-new B2B solution — Klar Empresarial — bringing agile credit and smart accounts to SMEs who've been ignored by traditional banks for too long. And a full banking license on the horizon, because our customers asked for it and we listened. We move fast, we think big, and we go all in, because as our CEO puts it: "Growing doesn't always mean going further. Sometimes it means going deeper." Behind all of it is a team of 30+ nationalities, working across Mexico City, Berlin, and Argentina, obsessed with building financial products that are simpler, faster, and fairer than anything that came before. This is Klar, and we're seeking the people who'll write the next chapter. Our people If you join us at Klar, you’ll be welcomed to a team that 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! 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. As a Business Architect for Credit Products , you will help design, build, and continuously improve Klar’s credit experiences. You will work closely with Product, Credit Risk, Data, Engineering, Design, Operations, Compliance, and Customer Experience to turn customer and business needs into clear, scalable product solutions. You will develop a deep understanding of our customers, credit products, decision processes, and technology—connecting the details across teams to ensure we solve the right problems and deliver high-quality experiences. This is a hands-on product role. You will participate throughout the product lifecycle: understanding problems, analyzing data, mapping customer journeys, defining requirements, supporting delivery, validating releases, and measuring results. What you can expect: Develop a deep understanding of Klar’s customers, credit products, business model, and end-to-end credit lifecycle. Identify and structure product opportunities across activation, utilization, repayments, credit-line management, delinquency, and collections using customer insights, operational feedback, and performance data. Translate customer, business, credit-risk, operational, and regulatory needs into clear product requirements, user stories, process flows, and acceptance criteria. Map customer journeys, business processes, decision flows, system interactions, dependencies, and edge cases to design simple and scalable solutions. Collaborate with Design, Engineering, Operations, Compliance, Legal, Fraud, Finance, and Customer Experience throughout product discovery and delivery. Support prioritization by evaluating customer impact, business value, risk, complexity, and dependencies. Participate in backlog refinement, planning, testing, business validation, and release readiness to ensure solutions meet their intended requirements. Define success metrics, monitor product launches and performance, and recommend improvements based on data and customer feedback. Improve the tools, processes, and documentation that enable Klar’s credit products and teams to scale effectively. What we are looking for: Bachelor’s degree in an engineering discipline or analytical field (e.g., Computational, Mechatronics, Mathematics, Physics, etc.) 2+ years of experience with SQL and Python for Data Analysis. 3+ years of experience in product development, business analysis, product operations, consulting, fintech, financial services, or another analytical and cross-functional environment. Ability to work effectively with technical and non-technical teams and build alignment across different perspectives. Strong problem-solving skills and the ability to bring structure to ambiguous or complex problems. Ability to translate business and customer needs into clear requirements that technical teams can implement. Strong attention to detail, including the ability to identify edge cases, dependencies, and unintended consequences. Excellent communication and stakeholder-management skills. Customer-focused thinking and an interest in creating simple, transparent, and intuitive financial experiences. A high level of ownership, curiosity, and willingness to learn the details of both the product and the underlying business. Ability to manage several workstreams and priorities in a fast-moving environment. Advanced English proficiency. 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 a Mental Health Platform 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!