Clara is the leading spend management platform for companies in Latin America. Our end-to-end solution includes our locally-issued corporate cards, a Bill Pay product, financing solutions, and our highly-rated software platform; already being used by thousands of the most successful companies across the region.
Clara is backed by top global and regional investors such as GGV Capital, Coatue, DST Global Partners, General Catalyst, monashees, Acrew Capital, Kaszek, Citius, Canary, Citi Ventures, Picus Capital, Avid Ventures, ICONIQ Growth, Endeavor Catalyst, Goldman Sachs, Accial Capital, and prominent angel investors.
Responsibilities:
Portfolio Management: Manage Clara's credit portfolio in Mexico, Brazil, and Colombia, including overseeing the portfolio performance of new clients to early collections. Experience with revolving and non-revolving credit products. Full understanding of the whole credit life cycle, from acquisition to writte off.Stakeholder Interaction: Interact with investors, internal stakeholders, and senior management to provide insights on portfolio performance, risk management strategies, and growth opportunities.Analytical Expertise: Utilize analytical skills and knowledge to evaluate portfolio performance, assess credit risks, define metrics, KPIs and optimize unit economics and profitability.Risk Management: support implementation and monitor risk management strategies and protocols to ensure the stability and resilience of Clara's credit portfolio.Communication: Communicate effectively with the growth team, investors, and senior management, presenting complex analyses and recommendations in a clear and concise manner.Adaptability: Demonstrate adaptability and flexibility in working within a fast-growing environment, responding to evolving business needs and market dynamics.Project management: Lead internal projects, collaborating with other teams, goal-oriented and adaptive, implementing short-term solutions while building for long-term goals.Requirements:
Analytical Expertise: Strong analytical skills with the ability to interpret data, identify trends, and derive actionable insights.P&L and Unit Economics: Experience with P&L analysis and understanding of unit economics concepts to drive strategic decision-making.Risk Management Knowledge: Proficiency in risk management principles and practices, particularly in the context of credit portfolio management.Outstanding Communication: Excellent communication skills to effectively interact with the growth team, investors, and senior management.Adaptability: Willingness and ability to adapt to a fast-growing and dynamic environment, demonstrating resilience and flexibility in managing changing priorities.Language Skills: Fluent in English and fluent in either Portuguese or Spanish to effectively communicate with stakeholders in Clara's target markets.Additional Skills & Plus:
- Experience with consulting is a plus, particularly in the context of financial services or risk management.
- 3+ years of experience in credit portfolio management or related fields is a plus, demonstrating a track record of success in driving portfolio performance and risk management strategies.
- Experience in data science, statistical software, and data visualization tools.
The way we do things is as important as what we do. That is why we operate on a set of carefully-identified values. They are what we expect from ourselves and each other in our day-to-day.
We value
* Clarity - Open and direct communication* Simplicity - Pare things down to the essential* Ownership - We're all owners and act like it* Pride - Make quality products we're proud of* Always Be Changing (ABC) - Continuous self-improvement* Inclusivity - Every voice counts; we value each other for our shared mission and contributions
We are
* Shaping business finances in Latin America* Driven by our 6 core values* Proud of our inclusive and caring culture* Certified as Top LinkedIn Startup
We offer
* Competitive salary & a robust stock ownership plan* 100% flexible work model* A set of benefits that are adaptable to your needs & way of life* Opportunities for growth in a fast-paced environment* A chance to shape B2B payments in Latin America and increase the region’s economic competitiveness
