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.we’re looking for a risk modeling leader to guide and inspire a high-performing team of data scientists in building advanced risk models and predictive analytics. This role works hand-in-hand with credit risk teams, playing a pivotal part in shaping the company’s modeling strategy and data initiatives.you’ll be responsible for driving innovation, improving credit decision-making, developing regulatory and strategic models, and overseeing risk monitoring (mis) and policy performance. Your work will directly impact business growth, resilience, and risk control — making data and analytics a core business enabler.responsibilities:lead strategic planning for modeling initiatives, collaborating across teams to align with business and risk goalsdrive innovation in data science to enhance decision-making and operational efficiencyprovide data intelligence and analytics to support risk strategies and portfolio performancedevelop and maintain predictive models that identify opportunities and mitigate riskbuild and enhance advanced statistical models, including credit decision models where data is limited or incompleteown the development and maintenance of regulatory risk models (e.g., expected credit losses)monitor model performance and drive continuous improvements and recalibrationsown the risk mis: monitor risk policies, model outcomes, and performance of credit analystsidentify and implement process enhancements to improve efficiency, scalability, and outcomescommunicate findings and recommendations clearly to senior leadership and key stakeholdersskills:proven leadership of high-impact data science or modeling teamsstrong project management and cross-functional coordination skillsdeep understanding of credit risk modeling techniques and practiceshands-on experience deploying models into production environmentsadvanced knowledge of machine learning for risk modeling and credit scoringproficient in building scalable, robust data pipelines and model architecturesstrong skills in predictive analytics and business-driven model designexperienced in model monitoring, backtesting, and performance evaluationfamiliarity with regulatory frameworks and risk reporting in financial services, including deep knowledge of regulatory models for credit lossespassion for mentoring and elevating team capabilitiesacademic background in actuarial science, computer science, mathematics, statistics, or similar, with a solid grasp of programming and systems designproven experience in credit risk modeling in latin american marketsadvanced proficiency in sql and data visualization toolsstrong command of machine learning techniques applied to credit and risk modelinghigh attention to data quality and integrity, especially within financial datasetsproficient in python and other common modeling languagespreferred qualifications:fintech industry experience, ideally in fast-paced, high-growth environmentsexperience navigating financial audits, understanding documentation and compliance expectationsunderstanding of financial conciliation processes and operational finance systemsexposure to credit card and payments ecosystemsa collaborative, solution-oriented mindset with a passion for building from scratchfamiliarity with latin american regulatory and compliance standardsthe way we do things is as important as what we do. That is why we operate on a set of carefully-identified values. They are what we expect from ourselves and each other in our day-to-day.we value*clarity- open and direct communication*simplicity- pare things down to the essential*ownership- we're all owners and act like it*pride- make quality products we're proud of*inclusivity- every voice counts; we value each other for our shared mission and contributionswe are* shaping business finances in latin america* driven by our 6 core values* proud of our inclusive and caring culture* certified as top linkedin startupwhat we offer* competitive salary & a robust stock ownership plan* a set of benefits that are adaptable to your needs & way of life* opportunities for growth in a fast-paced environment* a chance to shape b2b payments in latin america and increase the region’s economic competitiveness
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