Credit Risk Architect: Data-Driven Risk & Growth

clara; Bogotá; On-site; COP 133,920,000 - 200,880,000; Full time

Job summary

Clara, the leading B2B fintech for spend management in Latin America, is seeking a Credit Risk Expert to join a high-performing risk team. You will drive advanced credit risk analyses, work with risk models, and collaborate with operations, finance, and data teams to shape the company’s strategy.

You’ll drive innovation in data science, support regulatory and strategic models, and oversee risk monitoring (MIS) to enable scalable growth.

Qualifications

• Academic background in Actuarial Science, Computer Science, Mathematics, Statistics, or similar, with a solid grasp of programming and systems design.
• Proven strong experience in credit risk management in Latin American markets.
• Advanced proficiency in SQL and data visualization tools.
• High attention to data quality and integrity, especially within financial datasets.
• Fluency in English is required.

Responsibilities

• Support modeling initiatives, collaborating across teams to align with business and risk goals
• Drive innovation in data science analysis to enhance decision-making and operational efficiency
• Provide data intelligence and analytics to support credit risk strategies and portfolio performance
• Own the development and maintenance of regulatory and non-regulatory risk methodologies (e.g., expected credit losses)
• Monitor model performance in risk strategies and work with other teams to continuous improvements and recalibrations
• Own the Risk MIS: monitor risk policies, model outcomes and performance of risk credit matters
• Identify and implement process enhancements to improve efficiency, scalability, and outcomes
• Communicate findings and recommendations clearly to senior leadership and key stakeholders

Skills

Credit risk management

SQL

Data visualization

Programming

English fluency

Actuarial/Statistics background

Education

Actuarial Science / Mathematics / Statistics degree

Tools

SQL

Job description

Clara, the leading B2B fintech for spend management in Latin America, is seeking a Credit Risk Expert to join a high-performing risk team. You will drive advanced credit risk analyses, work with risk models, and collaborate with operations, finance, and data teams to shape the company’s strategy.

You’ll drive innovation in data science, support regulatory and strategic models, and oversee risk monitoring (MIS) to enable scalable growth.