Responsibilities:

1. Portfolio Management: Manage Clara's credit portfolio in Mexico, Brazil, and Colombia, including overseeing the portfolio performance of new clients to early collections. Experience with revolving and non-revolving credit products. Full understanding of the whole credit life cycle, from acquisition to writte off.
2. Stakeholder Interaction: Interact with investors, internal stakeholders, and senior management to provide insights on portfolio performance, risk management strategies, and growth opportunities.
3. Analytical Expertise: Utilize analytical skills and knowledge to evaluate portfolio performance, assess credit risks, define metrics, KPIs and optimize unit economics and profitability.
4. Risk Management: support implementation and monitor risk management strategies and protocols to ensure the stability and resilience of Clara's credit portfolio.
5. Communication: Communicate effectively with the growth team, investors, and senior management, presenting complex analyses and recommendations in a clear and concise manner.
6. Adaptability: Demonstrate adaptability and flexibility in working within a fast-growing environment, responding to evolving business needs and market dynamics.
7. Project management: Lead internal projects, collaborating with other teams, goal-oriented and adaptive, implementing short-term solutions while building for long-term goals.

Requirements:

1. Analytical Expertise: Strong analytical skills with the ability to interpret data, identify trends, and derive actionable insights.
2. P&L and Unit Economics: Experience with P&L analysis and understanding of unit economics concepts to drive strategic decision-making.
3. Risk Management Knowledge: Proficiency in risk management principles and practices, particularly in the context of credit portfolio management.
4. Outstanding Communication: Excellent communication skills to effectively interact with the growth team, investors, and senior management.
5. Adaptability: Willingness and ability to adapt to a fast-growing and dynamic environment, demonstrating resilience and flexibility in managing changing priorities.
6. Language Skills: Fluent in English and fluent in either Portuguese or Spanish to effectively communicate with stakeholders in Clara's target markets.

Additional Skills & Plus:

• Experience with consulting is a plus, particularly in the context of financial services or risk management.
• 3+ years of experience in credit portfolio management or related fields is a plus, demonstrating a track record of success in driving portfolio performance and risk management strategies.
• Experience in data science, statistical software, and data visualization tools.