LATAM Credit Risk Modeler (SQL & Python)

Clara; Ciudad de México; Híbrido; MXN 900.000 - 1.500.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Salary + ESOP

Multicultural team with Portuguese,-Sp

Descripción de la vacante

Clara is seeking a Credit Risk Expert for Latin America to dive into data, write SQL and Python, and shape risk strategies for fast-growing LATAM markets. This individual contributor role emphasizes building and refining credit risk models, MIS, and decision frameworks to support automated lending decisions.

You will work with cross-functional teams across the region, apply AI workflow ideas, and ensure governance and provisioning standards are met, contributing to Clara’s mission.

Formación

• Academic background in Actuarial Science, Mathematics, Statistics, Computer Science, or a related quantitative field
• Proven hands-on experience in portfolio-level credit risk: PD, LGD, EAD, ECL, vintage analysis, roll rates
• You write SQL and Python (or R) every day — this is non-negotiable
• Experience designing credit line management strategies: CLI/CLD campaigns, limit reviews, exposure control
• Strong data visualization skills
• Experience in Latin American credit markets
• English fluency
• You love operating and being strategic at the same time

Responsabilidades

• Write and maintain SQL and Python code daily to analyze portfolio behavior, delinquency trends, vintage curves, roll rates, and risk concentrations
• Support the built, validation and recalibration of credit risk models: PD, LGD, EAD, and ECL
• Own the Credit Risk MIS end to end — you build it, you maintain it, you improve it
• Design and execute credit line management strategies (CLI/CLD campaigns, proactive limit reviews, exposure optimization) — from the data pull to the recommendation
• Develop credit strategies and decision frameworks that feed directly into automated lending decisions
• Use AI tools and workflow automation to improve how risk processes run — you'll be expected to experiment and build, not just observe
• Translate your own analysis into clear insights for senior leadership
• Ensure compliance with provisioning standards and model governance frameworks

Conocimientos

English fluency

Data-driven decision making

Strategic thinking

Strong analytical skills

Educación

Quantitative degree in Actuarial Science/Math/Statistics/CS

Herramientas

SQL

Python

R

Credit risk modeling

Descripción del empleo

Clara is seeking a Credit Risk Expert for Latin America to dive into data, write SQL and Python, and shape risk strategies for fast-growing LATAM markets. This individual contributor role emphasizes building and refining credit risk models, MIS, and decision frameworks to support automated lending decisions.

You will work with cross-functional teams across the region, apply AI workflow ideas, and ensure governance and provisioning standards are met, contributing to Clara’s mission.