Business Architect (Collections)

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! 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. The Business Architect will play a key role in ensuring accurate data flows, measurable performance, and scalable operational structures that support Collections strategy. We are looking for someone who can own projects end-to-end in a fast-moving startup environment with high exposure and impact. What you can expect: Own and continuously improve Credit Bureau-related processes within Collections, ensuring compliance, data accuracy, and operational robustness. Map, document, and optimize end-to-end workflows across bureau reporting and Collections products. Design and enhance reporting frameworks to track portfolio performance, operational efficiency, and recovery outcomes. Define and monitor performance metrics for internal and external operational teams, driving accountability and continuous improvement. Establish governance structures and standardized reporting for operational performance, payments tracking, and incentive schemes. Build dashboards, alerts, and monitoring systems to proactively detect risks and performance gaps. Lead analytical initiatives to understand delinquency behavior, segmentation opportunities, and operational drivers. Identify structural process gaps and propose scalable, data-driven improvements. Automate reporting and manual workflows using SQL and internal tools. Partner cross-functionally with Operations, Finance, Credit, and Product to ensure alignment between data, processes, and strategic objectives. What we are looking for: Bachelor’s degree in Actuarial Science, Engineering, Mathematics, Economics, Data Science, Informatics or related field. Strong SQL skills (advanced) Advanced Excel (formulas, pivot tables, structured data analysis). Experience working with data in operational or analytical roles. Strong analytical thinking and structured problem-solving approach. Ability to work independently in a fast-paced startup environment. Advanced English level Python and Tableau experience is a plus 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!