Collections Analyst (Analista de Cobrança) – São Paulo (Hybrid)

About the role

Clara, a payments platform for companies in Latin America, is hiring a Collections Analyst in São Paulo on a hybrid basis. The role increases the efficiency of the Collections team through process automation (n8n, AI and integrations) and sets up control, routines and governance for the external vendors and partners supporting the collections operation.

Key responsibilities

• Active and receptive collections routine: contact delinquent customers via WhatsApp and email, and respond to Customer Happiness tickets and related areas.
• Take part in Collections projects such as API development, self-negotiation tools, the collections CRM and improvements to the CCB flow.
• Identify, prioritize and implement automation opportunities, including customer communication, invoice/boleto generation, n8n integrations and AI agents, and scale existing initiatives like the CCB generation flow, restriction removal flows with credit protection agencies and discount negotiation agents.
• Act as main contact for strategic collections and recovery vendors, set an operational cadence to monitor SLAs and deliverables, lead contract negotiations to reduce costs and improve performance, and evaluate new vendors and market opportunities such as debt portfolio sale marketplaces.

Required profile

• Prior experience with process automation tools (such as n8n or similar), or a strong technical foundation in AI tools (Claude, ChatGPT, Gemini, n8n) and genuine interest in them.
• Experience in collections, credit recovery, financial operations or related operational areas.
• Experience with CCB generation and CNAB flows with securitization companies and banking partners.
• Experience managing vendors or external partners, including SLA tracking.
• Strong analytical skills, data-driven reporting, and clear communication with leadership and partner teams (Risk, Backoffice, Credit/CD, CH, Finance, Legal, Data).

Nice to have

• Intermediate to advanced English (B2–C2).
• SQL and/or BI tools such as Metabase for performance metrics.
• Experience in fintechs, securitization companies or banks.

What we offer

• Competitive salary and stock options (ESOP) from day one.
• An annual learning budget and accelerated development paths.
• A hybrid setup with time spent in the office naturally, with no minimum office days set.