Responsibilities:

• Portfolio Management: Manage Clara's credit portfolio in Mexico, Brazil, and Colombia, experience in revolving and non-revolving credit products. Full understanding of the whole credit life cycle, from acquisition to writte off.
• Stakeholder Interaction: interact with internal stakeholders, and senior management to provide insights on portfolio performance, risk management strategies, and growth opportunities.
• Analytical Expertise: Utilize advanced analytical skills to evaluate portfolio performance, assess credit risks, define metrics, KPIs and optimize unit economics and profitability.
• Risk Management: Implement risk management strategies and protocols to ensure the stability and resilience of Clara's credit portfolio.
• Communication: Ability to communicate effectively hichly technical concepts and analysis with the growth team, investors, and senior management, presenting complex analyses and recommendations in a clear and concise manner.
• Adaptability: Demonstrate adaptability and flexibility in working within a fast-growing environment, problem solving and responding to evolving business needs and market dynamics.
• Project management: Lead internal projects, collaborating with multidisciplinary groups of experts, goal-oriented and adaptive, implementing short-term solutions while building for long-term goals.

Requirements:

• Analytical Expertise: Strong analytical skills with the ability to interpret data, identify trends, discover relevant insights and implement actionables and controls.
• P&L and Unit Economics: Experience with P&L analysis and understanding of unit economics concepts to drive strategic decision-making.
• Risk Management Knowledge: Expertise in risk management principles and practices, particularly in the context of credit portfolio management.
• Outstanding Communication: Excellent communication skills to effectively interact and negotiate with the growth team, investors, and senior management.
• Adaptability: Willingness and ability to adapt to a fast-growing and dynamic environment, demonstrating resilience and flexibility in managing changing priorities.
• 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.
• 5+ years of experience in credit portfolio management on finantial institutions or related fields, demonstrating a track record of success in driving portfolio performance and risk management strategies.
• Proficiency in data science, statistical software, and data visualization tools.