Credit Analysis Lead - São Paulo (Hybrid)

About the role

Clara, a payment platform operating in Latin America, is looking for a Credit Analysis Lead to own the credit analysis function for its B2B clients in Brazil. You will lead a team of credit analysts who assess companies and recommend credit lines, and you will be accountable for the quality, speed and consistency of every credit decision. The role is hybrid, with time spent in the office, with customers and at home.

Key responsibilities

• Lead, coach and develop a team of credit analysts, including hiring, onboarding, training, calibration and capacity/SLA planning.
• Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround-time SLAs.
• Run the credit approval cadence and act as escalation point for borderline, complex or high-exposure cases.
• Analyze Brazilian companies' financial health (financial statements and cash flow, revenue and margin trends, leverage, liquidity, working capital cycle and seasonality).
• Read the whole economic group, including parent and related entities, partners and cross-exposure.
• Interpret Brazilian credit bureau and public data, issue or recommend credit limits and terms within delegated authority, and document the rationale.
• Handle review triggers such as renewals, limit changes, negative news and account deterioration.
• Feed credit policy, scorecards and portfolio strategy with patterns and edge cases from real client cases, and propose data-backed adjustments.
• Track team metrics such as approval rate, TAT, override rate and decline-reason distribution.
• Partner with Product, Data and Engineering to automate bureau pulls, decision rules and scorecards, and build your own lightweight tools and scripts.

Required profile

• 5+ years in credit risk or corporate credit analysis in Brazil, with hands-on financial-statement and cash-flow analysis.
• 2+ years leading or coordinating a credit analysis team, with a track record of developing analysts.
• Deep knowledge of Brazilian credit bureau data and scoring, and experience within credit policy and approval authorities.
• Strong written communication and attention to detail; able to defend decisions to commercial and risk stakeholders.
• Nice to have: fintech or B2B credit scale-up experience in LATAM, scorecard/model development exposure, Google Workspace, Zendesk and HubSpot familiarity, and Spanish.

Required skills

• Advanced spreadsheets, ideally SQL and a BI tool such as Looker, Metabase or Tableau.
• Able to build small automations, scripts or internal tools (no-code/low-code); no engineering background required.

What we offer

• Competitive salary and stock options (ESOP) from day one.
• An annual learning budget and accelerated development paths.
• English as the working language, with Spanish and Portuguese every day.