Credit policy specialist
Pubblicato il 13-08-2026 - Clara in Italia
Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2 B platform built for scale. What you'll do We're looking for a Credit Strategy Specialist to design, implement, and optimize credit strategies that directly impact growth, risk, and customer experience. This role sits at the intersection of data, risk, and business, owning key levers such as credit policies, limit‐setting frameworks, and decision rules. Our responsibilities include: Own credit strategy design: Define and evolve underwriting policies, approval criteria, and limit‐setting frameworks. Translate data into decisions: Leverage analytics and model outputs to drive actionable credit rules. Optimize portfolio performance: Balance approval rates, revenue, and loss rates through continuous strategy iteration.
Design decision frameworks: Build and refine rules for acquisition, line increases, and ongoing exposure management. Monitor and react to performance: Track key metrics (approval rate, NPLs, utilization, vintage curves) and adjust strategies accordingly. Drive experimentation: Run A/B tests and controlled rollouts to improve credit outcomes. Improve processes: Identify bottlenecks and inefficiencies in underwriting and decisioning workflows using tools like N8 N for automation where applicable. Collaborate cross‐functionally: Work with Product, Data, and Growth teams to align credit strategy with business goals, utilizing Metabase or Databricks for data visualization and analysis. Who you are We're looking for someone who meets the minimum requirements to be considered for the role. The preferred qualifications are a premio, not a requirement. Must haves 3+ years of experience in credit risk, strategy, or anal