Control Desk & Credit Team Lead (Líder de Crédito e Mesa de Controle) - São Paulo (Hybrid)

Clara; Brasil; Híbrido; BRL 120.000 - 160.000; Tempo integral

Resumo da oferta

A leading B2B fintech in Brazil is seeking a Control Desk & Credit Expert to manage onboarding and credit risk assessments. You will lead the team ensuring compliance with legal standards and oversee credit line approvals. A minimum of 5 years experience in financial risk management and fluency in English and Portuguese are required. Join a dynamic environment that values innovation and team collaboration, offering competitive salary and benefits.

Serviços

Competitive salary and stock options

High-ownership environment

Flexible vacation and hybrid work model

Multicultural team with exposure to multiple languages

Qualificações

• 5+ years of experience in the financial sector in risk management or middle office roles.
• 2+ years as a Credit Manager, ideally in fintechs in LATAM.
• Proven expertise in corporate credit analysis and understanding of credit scores in the Brazilian market.
• Experience leading and developing high-performing teams.

Responsabilidades

• Lead the Control Desk & Credit team and manage daily operations.
• Review and approve all authorized credit lines.
• Oversee KYC, KYB, AML checks, and credit origination.
• Ensure compliance with legal, cashflow, and risk assessment standards.
• Monitor approval rates by segment and propose strategic adjustments.

Conhecimentos

Risk management

Credit analysis

Team leadership

Attention to detail

Data-driven mindset

Proficiency in English

Proficiency in Portuguese

Ferramentas

Google Drive

Zendesk

Hubspot

Descrição da oferta de emprego

Overview

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.

What you\'ll do

We’re looking for a Control Desk & Credit Expert to lead the team responsible for onboarding, credit risk assessment, and credit line maintenance for our clients in Brazil. You’ll ensure that all prospects meet our legal and risk-related requirements—from KYC, KYB, AML to credit score validation—and oversee the approval of all credit lines. This role is critical to upholding Clara’s risk standards and enabling scalable, efficient growth.

You’ll own the credit control desk and work closely with product and data teams to automate processes, monitor portfolio health, and continuously improve the onboarding experience. Your decisions will directly impact approval rates, risk exposure, and customer experience.

Your responsibilities will include:

• Leading the Control Desk & Credit team and managing daily operations.
• Reviewing and approving all authorized credit lines.
• Overseeing KYC, KYB, AML checks, and credit origination.
• Ensuring compliance with legal, cashflow, and risk assessment standards.
• Monitoring approval rates by segment and proposing strategic adjustments.
• Maintaining, reporting, and monitoring credit lines.
• Driving automation and simplification of onboarding processes in collaboration with the product team.
• Extracting actionable business insights to enhance customer experience.

Who you are

We’re looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a bonus, not a requirement.

Must haves

• 5+ years of experience in the financial sector in risk management or middle office roles.
• 2+ years as a Credit Manager, ideally in fintechs in LATAM.
• Proven expertise in corporate credit analysis and understanding of credit scores in the Brazilian market.
• Professional proficiency in English (B2+) and Portuguese.
• Experience leading and developing high-performing teams.
• Strong attention to detail with a data-driven, results-oriented mindset.

Nice to haves

• Entrepreneurial mindset and hands-on approach to problem-solving.
• Familiarity with Google Drive, Zendesk, and Hubspot (or similar tools).
• Basic proficiency in Spanish or willingness to learn.

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.