Jr Business Architect (Collections B2B)

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 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 Analyst (B2B Collections) will play a key role in monitoring and improving collections performance, optimizing operational processes, and developing data-driven strategies to maximize recovery across our business credit portfolio.

We are looking for someone with strong analytical and problem-solving skills who can transform data into actionable insights, automate processes, and collaborate with internal teams and external collection agencies to drive operational efficiency and recovery performance.

What you can expect:

• Collections Performance Analytics: Monitor and analyze key collection metrics, including Collector Effectiveness Index (CEI), recovery rates, delinquency trends, and portfolio performance across different DPD buckets.
• Portfolio Analysis & Segmentation: Analyze recovery performance by delinquency bucket, outstanding balance, credit product, and customer segment to identify opportunities for improving collection strategies.
• Data Management & Automation: Maintain, validate, and automate collections databases, portfolio assignments, and recurring operational reports, ensuring data accuracy and reducing manual processes.
• External Collection Agencies Performance: Monitor collection agencies' performance, analyze recovery results, track account assignments and returns, and identify opportunities to improve allocation strategies and operational efficiency.
• Incentive & Bonus Management: Develop, calculate, and validate collection agencies' incentive schemes, ensuring accurate performance attribution and alignment with recovery objectives.
• Collections Strategy Optimization: Identify opportunities to improve recovery through portfolio segmentation, collection treatments, account prioritization, and data-driven operational recommendations.
• Technology & Process Improvements: Collaborate with Technology and Product teams to define requirements, track developments, test new functionalities, and implement improvements to collections tools and processes.
• Reporting & Dashboards: Build and maintain dashboards, automated reports, and performance monitoring tools to support daily operations and strategic decision-making.
• Delinquency & Recovery Forecasting: Analyze portfolio trends and historical performance to develop recovery projections, anticipate delinquency behavior, and identify potential risks.
• Renegotiation & Recovery Analysis: Evaluate payment agreements, renegotiation performance, and repayment behavior to identify opportunities for improving recovery and reducing recurring delinquency.
• Cross-functional Collaboration: Work closely with Collections Operations, Finance, Credit Risk, Technology, and external collection agencies to ensure data consistency, operational alignment, and continuous process improvement.

What we are looking for:

• Bachelor's degree in Actuarial Science, Engineering, Mathematics, Economics, Finance, Data Science, or a related field.
• Strong SQL skills (advanced), including experience querying and analyzing large datasets.
• Advanced Excel skills, including formulas, pivot tables, and structured data analysis.
• Experience in business analytics, financial services, credit risk, collections, or operational performance analysis.
• Strong analytical thinking and structured problem-solving skills, with the ability to translate data into actionable business recommendations.
• Experience developing dashboards, performance reports, and automated processes.
• Strong organizational and project management skills, with the ability to manage multiple priorities and follow up on cross-functional initiatives.
• Ability to work independently, take ownership of projects, and thrive in a fast-paced startup environment.
• Advanced English level.
• Python and Tableau experience is a plus.
• Experience working with credit portfolios, collection agencies, or delinquency analytics 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 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!