Clara is the leading spend management platform for companies in Latin America. Our end-to-end solution includes locally-issued corporate cards, bill pay, and our highly-rated software platform; already being used by thousands of the most successful companies across the region.

Clara is backed by top investors and strategics including Accial Capital, Canary, Citi Ventures, Coatue, DST Global, General Catalyst, Goldman Sachs, ICONIQ Growth, Kaszek, Monashees, and Notable Capital, as well as prominent angel investors.

• Make sure that all the prospects comply with all the requirements (legal, cashflow, credit score, risk assessment)
• Be in charge of all the onboarding processes (KYC, KYB, AML checks and credit Score validation, and credit origination).
• Analyze customer financial condition
• Assess credit risk and propose credit limits.
• Review and challenge the credit risk model defined by first-line
• Identify improvements to the process as well as carry them out.
• Contribute and support activities for the area, such as credit bureau audits, operational improvement projects, among others.
• Develop internal relationships with sales to resolve customer credit needs.

Objective
Ensure smooth operations by monitoring systems, handling communications, providing assistance, and enforcing security protocols.
For a Credit Associate, the objective is to assess and manage credit risk effectively by analyzing financial information, interacting with customers, ensuring compliance with credit policies, and making informed recommendations.

• At least 2 years of experience in credit, collection activities.
• English mandatory: intermediate/advanced level
• Mandatory: Google spreadsheet formulas, as filters, tables, pivot table, etc.
• Desirable: flowchart, presentations.
• High analytical and problem-solving abilities.
• Ability to work under pressure in a fast-paced environment and perform repetitive tasks.
• Demonstrated ability to complete detailed quantitative and qualitative analysis
• Adaptability to dynamic way of working/short-term deliverables

• Financial Analysis
• Credit Risk Assessment
• Regulatory Compliance
• Data Analysis (Excel, data analysis tools)
• CRM Software
• Communication Skills
• Problem Solving
• Attention to Detail
• IT Skills
• Decision-Making
• Industry and Company Policy Knowledge
• Documentation Skills
• Team Collaboration
• Time Management

• Google Drive
• Hubspot or similar
• Zendesk or similar
• Intermediate/Advanced English Skills (will be evaluated)

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What We offer