Risk Modeling Lead (Líder en Modelado de Riesgo) – Remote

Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Risk Modeling Lead to strengthen Clara’s credit risk capabilities and contribute directly to business resilience and growth. You’ll lead the design and implementation of predictive credit risk models , working cross-functionally with Operations , Finance , and Data teams. Your insights will shape credit strategy, drive innovation, and ensure that data and analytics are central to decision-making at Clara. Your responsibilities will include: Leading the development and maintenance of regulatory and strategic risk models , including expected credit loss (ECL) methodologies Supporting portfolio performance and credit strategies with robust data analysis Driving innovation in credit risk analytics to enhance underwriting and monitoring frameworks Monitoring model performance, proposing recalibrations, and coordinating model updates across teams Overseeing Risk MIS : monitoring risk policies, portfolio trends, and key credit metrics Translating data into actionable insights to inform leadership and business decisions Implementing process improvements for greater scalability, transparency, and accuracy Who you are We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement. Must haves Academic background in Actuarial Science , Computer Science , Mathematics , Statistics , or a related field Proven experience in credit risk management in Latin American markets Advanced skills in SQL and data visualization Experience managing the full lifecycle of risk models , from development to backtesting Strong grasp of predictive analytics , risk methodologies, and regulatory compliance Deep commitment to data integrity and hands-on experience with large financial datasets Fluency in English Ability to lead cross-functional projects and communicate clearly with senior stakeholders Nice to haves Experience in fintech , especially in high-growth or startup environments Familiarity with credit cards , payments , and B2B financial solutions Exposure to audit processes and regulatory reporting Understanding of financial conciliation and operational finance systems Knowledge of Latin American regulatory standards Experience working with collaboration tools like Slack , Notion , and Google Drive Passion for building from scratch with a solution-oriented, collaborative mindset Why join Clara At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America. Who we are We’re the leading B2B fintech for spend management in Latin America. Certified as one of the world's fastest-growing companies, a Great Place to Work , and a LinkedIn Top Startup . Passionate about making Latin America more prosperous and competitive. Constantly innovating to build financial infrastructure that enables each of our customers to thrive. Product-led, high-talent-density culture — designed for builders who raise the bar. Proud of our open, inclusive, and values-driven environment. What we believe in #Clarity. We say things clearly, directly, and proactively. #Simplicity. We reduce noise to focus on what really matters. #Ownership. We take responsibility and never wait to be told. #Pride. We build products and experiences we’re proud of. #Always Be Changing (ABC). We grow through feedback, risk-taking, and action. #Inclusivity. Every voice counts. Everyone contributes to our mission. 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 If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. 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.