Risk Analytics Lead (Líder de Analítica de Riesgo) - Hybrid
Modena, Emilia-Romagna, Italy · Hybrid
Senior+$709M raised
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Lead a high-performing data science team to develop advanced algorithms and scalable data models. Collaborate with credit risk and fraud teams to drive strategic data initiatives and business transformation.
Requirements
Proven leadership experience in high-impact data science teams with expertise in machine learning and predictive analytics. Strong background in driving data-driven strategies specifically within Credit Risk and Fraud domains.
Full job description
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.
Clara is looking for a Risk Analytics Lead to own the analytical engine of our Risk function globally. This role sits within the Risk team and is responsible for three interconnected domains: building and maintaining the risk models and scorecards that power credit decisions across our markets; owning Clara's Model Risk Management (MRM) framework; and acting as the Risk team's lead designer for our risk data infrastructure, working hand-in-hand with the Data team on its implementation.
This is a high-impact, cross-functional role for someone who combines deep technical expertise in risk modeling with the judgment to govern model risk and the communication skills to bridge Risk, Data, and senior leadership.
What you'll do
Risk Modeling
Design, develop, and maintain the full suite of risk models across the credit lifecycle — scorecards, probability of default (PD), loss given default (LGD), exposure at default (EAD), expected credit loss (ECL), and behavioral models
Own model backtesting, performance monitoring, and recalibration processes; ensure models remain fit for purpose as portfolio composition and macroeconomic conditions evolve
Develop and maintain early warning indicators, portfolio segmentation, and concentration risk analytics
Translate model outputs into actionable credit strategy inputs for Credit Policy and Portfolio Management teams
Model Risk Management (MRM)
Design and own Clara's MRM framework: model inventory, model risk classification, validation standards, and model risk appetite
Define and enforce model governance processes — development standards, independent validation, approval workflows, and ongoing review cadences
Act as internal challenger on all risk models; ensure models are documented, explainable, and auditable
Establish thresholds for model risk escalation and lead remediation when models breach performance benchmarks
Risk Data Infrastructure (Design)
Partner with the Data Engineering team as the Risk domain expert and architecture co-designer for the risk data infrastructure
Define business and analytical requirements for risk data pipelines, feature stores, and reporting layers; ensure the infrastructure supports both real-time decisioning and portfolio analytics needs
Drive adoption of robust data standards within the Risk function — lineage, quality controls, and documentation
Translate Risk's analytical roadmap into concrete data infrastructure requirements; prioritize with the Data team based on business impact
Leadership & Stakeholder Management
Build and manage a lean, high-performing Risk Analytics team; define hiring needs and grow the function as Clara scales
Work closely with Credit Policy, Credit Desk, Portfolio Management, and Compliance — act as the technical partner that turns risk strategy into quantified models
Present model performance, MRM status, and analytical insights to senior leadership and, when relevant, to regulators
Champion a data-driven culture within Risk; define standards for analytical rigor and model documentation across the team
Who you are
Must haves
Academic background in Statistics, Mathematics, Actuarial Science, Engineering, Economics, or a related quantitative field
7+ years of experience in credit risk analytics, with hands-on ownership of the full model lifecycle — from development and validation to production monitoring and recalibration
Demonstrated experience building or managing a Model Risk Management framework (model inventory, validation governance, model risk appetite)
Deep proficiency in Python or R for modeling, and SQL for data extraction and analysis
Experience translating model requirements into data infrastructure needs; comfortable working alongside data engineers as a domain expert and co-designer
Strong grasp of credit risk regulation in at least one of Clara's markets (CNBV/Mexico, SFC/Colombia, BACEN/Brazil)
Proven ability to communicate technical concepts clearly to non-technical stakeholders, including executive leadership
Fluency in English and Spanish (Portuguese a strong plus)
Nice to haves
Experience in B2B credit or working capital products (trade credit, credit lines, commercial cards)
Familiarity with fintech or high-growth startup environments where you've had to build infrastructure and processes from scratch
Exposure to audit processes, regulatory reporting, and model-related regulatory examinations
Experience building or managing small analytics or data science teams
Hands-on experience with MLOps tooling, model monitoring platforms, or feature stores
Knowledge of Basel credit risk frameworks (IRB approaches, ECL under IFRS 9)
Why join Clara
At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America.
Who we are
We’re the leading B2B fintech for spend management in Latin America.
Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup.
Passionate about making Latin America more prosperous and competitive.
Constantly innovating to build financial infrastructure that enables each of our customers to thrive.
Product-led, high-talent-density culture — designed for builders who raise the bar.
Proud of our open, inclusive, and values-driven environment.
What we believe in
#Clarity. We say things clearly, directly, and proactively.
#Simplicity. We reduce noise to focus on what really matters.
#Ownership. We take responsibility and never wait to be told.
#Pride. We build products and experiences we’re proud of.
#Always Be Changing (ABC). We grow through feedback, risk-taking, and action.
#Inclusivity. Every voice counts. Everyone contributes to our mission.
What we offer
Competitive salary and stock options (ESOP) from day one
Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language)
Annual learning budget and internal accelerated development paths
High-ownership environment: we move fast, learn fast, and raise the bar — together
Smart, ambitious teammates — low ego, high impact
Flexible vacation and hybrid work model focused on results
If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.
Clara’s Hybrid Policy
Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team.
We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.
The AI-powered platform trusted by 30,000+ companies to manage, automate, and scale their finances across Latin America.
Industry
Financial Services
Company size
201-500 employees
Founded
2020
Headquarters
Sao Paulo
LinkedIn followers
94,944
Total funding
$709M
Clara es la Plataforma líder de gestión financiera para empresas en Latinoamérica, reconocida por el Financial Times como una de las empresas de más rápido crecimiento en la región por dos años consecutivos.
Más de 30,000 empresas en México, Brasil y Colombia confían en Clara para reunir tarjetas corporativas, control de gastos, cuentas por pagar, reembolsos, recuperación de facturas y visibilidad en tiempo real en una sola plataforma impulsada por inteligencia artificial, diseñada para potenciar cómo operan realmente las empresas de la región.
En 5 años hemos ayudado a nuestros clientes a eliminar 4.6 millones de horas de trabajo manual, ahorrar 240 millones de dólares en costos operacionales y aumentar en más del 30% el ahorro promedio en deducciones fiscales.
Con el respaldo de de firmas líderes de capital de riesgo regionales como Monashees, Kaszek Ventures y Canary, así como de inversionistas globales que incluyen a Notable Capital, Coatue, DST Global, ICONIQ y General Catalyst.
Para saber más, visita clara.com
Offices: Sao Paulo , BR · CDMX, MX · Bogotá, CO
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