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What you'll do

We're looking for a Control Desk & Credit Analyst to join our Credit team and help us maintain the integrity of Clara’s credit decision-making processes. In this role, you'll ensure that every prospect meets our compliance standards, conduct in-depth financial analyses, and contribute to continuous process progress. You will act as a critical gatekeeper, balancing risk mitigation with the agility needed to support our B2B growth.

You will:

• Verify that all prospects comply with legal, cash flow, credit score, and risk assessment requirements.

• Manage onboarding processes, including KYC, KYB, AML checks, credit score validation, and credit origination.

• Analyze customer financial conditions and assess creditworthiness for B2B clients.

• Propose credit limits based on risk analysis and financial health.

• Review and challenge first-line credit risk models to ensure accuracy.

• Identify, propose, and implement process improvements using tools like N8N or Hubspot to streamline workflows.

• Support credit bureau audits and operational improvement initiatives.

• Collaborate closely with the Sales team to address customer credit needs while maintaining risk standards.

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

• At least 2 years of experience in credit, collection activities, or financial analysis within a B2B environment.

• Working proficiency in English and Spanish (English will be evaluated).

• High analytical and problem-solving skills with a proven role-specific execution mindset.

• Demonstrated ability to perform both detailed quantitative and qualitative analyses.

• Comfortable working under pressure and handling repetitive tasks in a fast-paced, changing environment.

• Proficiency in Google Drive (specifically Google Sheets filters, pivot tables, and formulas).

• Experience or interest in AI tools to automate workflows.

Nice to haves

• Experience using Hubspot, Metabase, or Zendesk.

• Independent analytical skills using SQL or Python.

• Ability to create clear flowcharts and presentations to communicate risk findings.

• Basic Portuguese or a desire to learn it.

• A good sense of humor.

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

If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America.

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.