Product Lead - Risk

Clara; Bogotá ciudad; Híbrido; COP 120.000.000 - 180.000.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive salary and ESOP

Hybrid work model

Multicultural team with Portuguese, or

Descripción de la vacante

Clara is seeking a Product Manager, Risk to lead the Risk Builder squad within the Biz Ops tribe. You will own the full credit lifecycle from a product perspective, balancing fast delivery with strict risk controls across LatAm.

You will work with Credit Risk, Fraud, Finance, and Data Science teams, define metrics, and drive no-code/low-code automations using tools like N8N or Oscilar. Strong English communication is essential.

Formación

• 5+ years in product management with fintech/payments focus.
• 2+ years in risk, fraud, credit, identity, or lending-adjacent products.
• Proficiency prototyping with AI coding tools; familiarity with GitHub and API integrations.
• Strong SQL, cohort analysis, experiments, and dashboards.
• Excellent English communication; able to influence cross-functional partners.

Responsabilidades

• Own the full Risk product surface across Acquisition and Portfolio Management.
• Lead integration with Decisioning Engines, Credit Bureaus, SIFT, and ID Validation vendors.
• Translate risk model outputs into seamless product experiences with Data Science.
• Define and track metrics: approval rates, fraud loss, credit utilization, time-to-decision.
• Drive delivery with clear PRDs, backlog management, and cross-team alignment.
• Build no-code/low-code workflows using tools like N8N or Oscilar.
• Prototype concepts with AI tools and self-serve analytics dashboards.

Conocimientos

5+ years in product management

2+ years risk/fraud/credit

AI tool prototyping

SQL and dashboards

English communication

Herramientas

GitHub

Oscilar

Cursor

Claude Code

v0

Descripción del empleo

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.

What you'll do

We're looking for a Product Manager, Risk to lead our new Risk Builder squad within the Biz Ops tribe. Risk is one of the highest-leverage areas in Clara’s product portfolio; getting credit lines, identity verification, and fraud signals right is what allows us to scale rapidly across LatAm without increasing losses.

As the Product Manager for this lean, high-ownership squad, you will report to the Group Product Manager and partner directly with a senior engineer, Credit Risk, Fraud, Finance, and Data Science teams. You will own the full credit lifecycle from a product perspective—balancing high-velocity execution with strict risk mitigation.

Your primary responsibilities will include:

• Owning the entire Risk product surface across both Acquisition and Portfolio Management, including onboarding risk checks, credit line increases/decreases, and internal tools for the Fraud Risk Operations team.

• Managing the integration layer with critical Credit and Fraud Risk vendors (Decisioning Engines, Credit Bureaus, SIFT, and ID Validation Vendors), mapping gaps, and making high-impact build vs. buy decisions.

• Translating complex risk model outputs into seamless product experiences by collaborating closely with Data Science and Credit Risk teams to design around model uncertainty.

• Defining and tracking core business metrics, including approval rates, fraud loss rates, credit utilization, credit line adjustment accuracy, and time-to-decision.

• Accelerating product delivery by writing clear PRDs, managing the product backlog, and driving cross-team alignment without relying on unnecessary meetings.

• Building no-code/low-code solutions and automating workflows using tools like N8N or Oscilar.

• Embracing a builder mindset by leveraging AI tools like Cursor, Claude Code, or v0 to prototype concepts, making straightforward code or configuration changes, and self-serving your own analytics dashboards.

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

• Experience: 5+ years of experience in product management, with at least 2 years explicitly focused on risk, fraud, credit, identity, or lending-adjacent products within fintech or payment platforms.

• Technical Fluency: Ability to prototype concepts using AI coding tools, familiarity with GitHub (managing branches, commits, PRs, and reading diffs), and a solid conceptual understanding of API integrations and webhook-based event flows.

• Domain Knowledge: Deep understanding of credit-line mechanics (segmentation, adjustments), KYC/ID verification vendor stacks, and fraud signals (transaction blocking, step-up authentication).

• Data & Analytics Literacy: Strong analytical skills with the ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards.

• Execution & Communication: Exceptional verbal and written communication skills in English; a track record of moving hard business metrics (loss rates, approval rates) and managing cross-functional stakeholders across Legal, Finance, and Data Science.

• Mindset: High agency, comfort with ambiguity, and an eagerness to operate in a lean, fast-paced squad with massive autonomy.

Nice to haves

• Working proficiency or basic knowledge of Spanish or Portuguese, with a desire to learn.

• Product experience within LatAm fintech markets, specifically dealing with credit products in Mexico, Colombia, or Brazil.

• Familiarity with specialized decisioning platforms (e.g., Oscilar) and local direct debit or payment rails (SPEI, Pix, ACH) and their inherent risk implications.

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

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.