Credit Risk Expert (Experto/a en Riesgo de Crédito) - Hybrid

Clara · Bogotá / CUN / Colômbia; Bogotá D.C. / DC / Colômbiamid

In short

▸Experto/a en riesgo de crédito que construye modelos predictivos y analiza riesgos crediticios en mercados latinoamericanos.
▸Trabajas con datos, modelos y equipo multidisciplinario para mejorar decisiones financieras y apoyar el crecimiento sostenible de Clara.
▸Destaca el foco en innovación con data science y cumplimiento regulatorio (como pérdidas esperadas) en un entorno de rápido crecimiento.

No se requiere inglés.

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What they ask for

✓Licenciatura en Ciencias Actuariales, Ciencias de la Computación, Matemáticas, Estadística o área similar.
✓Experiencia demostrable en gestión de riesgo crediticio en mercados latinoamericanos.
✓Dominio de programación y diseño de sistemas para aplicaciones analíticas.
✓Capacidad para desarrollar e implementar metodologías de riesgo reguladoras y no reguladoras.
✓Habilidades analíticas sólidas con enfoque en modelos predictivos y toma de decisiones basada en datos.
✓Comunicación efectiva con líderes y stakeholders clave, presentando hallazgos complejos con claridad.

Don't tick every box? That's normal — your free dossier shows your gaps and how to cover them in the interview.

Modelado predictivoAnálisis de datosData scienceSistemas de análisis y diseñoMétodos de riesgo reguladoresPérdidas esperadas (ECL)Monitoreo de riesgo (MIS)Evaluación de modelosToma de decisiones basada en dColaboración interequipo

Who should you write to at Clara?

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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 Credit Risk Expert to work with a high-performing team of risk specialist and experts in building advanced and strong predictive credit risk analysis working with risk models and a lot of useful information. This role works hand-in-hand with Operations, finance and data teams, playing a pivotal part in shaping the company’s business strategy. You’ll be responsible for driving innovation, improving credit decision-making, supporting the developing of regulatory and strategic models, and overseeing risk monitoring (MIS) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler. Your responsibilities will include: • Support modeling initiatives, collaborating across teams to align with business and risk goals • Drive innovation in data science analysis to enhance decision-making and operational efficiency • Provide data intelligence and analytics to support credit risk strategies and portfolio performance • Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses) • Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations • Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters • Identify and implement process enhancements to improve efficiency, scalability, and outcomes • Communicate findings and recommendations clearly to senior leadership and key stakeholders Non-negotiable Requirements: • Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design • Proven strong experience in credit risk management in Latin American markets <li data-strin

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