Senior Credit Risk & Portfolio Strategy Manager (Hybrid)

About the role

Clara, a Latin American payment platform, is growing its Risk squad and is looking for a Senior Credit Risk & Portfolio Strategy Manager. This is a hands-on, strategic role for someone who understands credit portfolios, identifies what is changing and why, and turns data into actionable credit strategies and scalable tools. The position is hybrid, based in São Paulo, Mexico City or Bogotá.

Key responsibilities

• Own portfolio risk monitoring, analyzing delinquency, bad rates, vintages, through-the-door performance, concentrations, exposure, utilization and other key risk indicators
• Identify emerging risks and opportunities, perform root-cause analysis and turn findings into concrete portfolio actions
• Design, implement and measure credit strategies across the customer lifecycle, including credit line increases and decreases, exposure management, blocks/unblocks, inactivity rules, segmentation, policy cutoffs and early-warning strategies
• Monitor and challenge credit models and decision strategies, analyzing performance, backtesting, calibration, segmentation, drift and the effectiveness of model-driven decisions
• Use SQL and Python to analyze large datasets, build monitoring and decision-making tools, automate recurring analyses and move from raw data to actionable strategies
• Use AI and automation to build smarter and more scalable risk processes and tools
• Monitor portfolio risk appetite, concentrations, covenants and management indicators, and recommend clear actions to senior stakeholders
• Work cross-functionally with Data, Product, Engineering, Finance, Operations and Collections

Required profile

• 5+ years of experience in Credit Risk, Credit Strategy, Portfolio Management or related analytical roles
• Experience in fintech, B2B lending, credit cards, payments or multi-country portfolios is a strong plus
• Fluency in English; Spanish and/or Portuguese are highly valued
• An analytical, technically strong "builder" mindset who designs solutions and measures their results

Required skills

• Strong SQL and Python skills
• Fluency in English

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