**Clara is the leading platform in Latin America for companies to execute and manage every payment operation.** More than 50,000 leading and fast\-growing businesses run on our corporate cards, bill pay, financing and B2B payments, and in 2025 the Financial Times named Clara the region's fastest\-growing company. We're passionate about helping every company we work with become more effective—and, through that, raising the region's competitiveness. We're \~400 people, backed by Notable Capital, Coatue, Kaszek, monashees, DST Global, ICONIQ, General Catalyst and Goldman Sachs, among others. What you'll do We're looking for a **Credit Analysis Lead** to own the credit analysis function for our B2B clients in Brazil. You'll lead a team of credit analysts who assess companies and recommend credit lines, and you'll be accountable for the **quality, speed, and consistency of every credit decision** that comes through the desk. Your ownership starts when a credit request enters the credit desk (new client, limit increase, renewal, or triggered review) and covers everything until a **credit decision is issued** (approve / decline / amount and terms) and later **maintained** (renewals, limit adjustments, periodic reviews). Other teams own the steps before and after that path — but you still own making sure the whole flow works: if something upstream delays a case or something downstream breaks the experience, it's your problem to raise and get fixed. You'll partner closely with Sales, Risk, Product/Data and Collections to keep the credit flow fast, the portfolio healthy and the analysis workflow scalable * **Lead the credit analysis team** + Lead, coach and develop a team of credit analysts: hiring, onboarding, training, calibration and capacity/SLA planning. + Own daily desk operations: intake and triage of requests, prioritization by segment and exposure, queue management and turnaround\-time SLAs. + Run the credit approval cadence and act as escalation point for borderline, complex or high\-exposure cases. * **Perform and quality\-review B2B credit analysis** + Analyze Brazilian companies' financial health: financial statements and cash flow (DRE, balanço, DFC), revenue and margin trends, leverage, liquidity, working capital cycle and seasonality. + Read the whole economic group: parent and related entities, sócios and partners, cross\-exposure and consolidated exposure. + Interpret Brazilian credit bureau and public data, understanding the limits and false positives of each source. + Issue or recommend credit limits and terms within a delegated authority (alçada), documenting the rationale clearly; escalate above authority. + Handle review triggers: renewals, limit increases/decreases, negative news, and deterioration in related accounts. * **Be the voice of the front line for credit strategy** + Act as the closest point to real client cases: surface patterns, edge cases and segment realities back to the teams that own credit policy, scorecards and portfolio strategy. + Give structured, data\-backed feedback on where policy, rules or score cutoffs don't match what the analysis actually shows — and propose concrete adjustments. + Track and improve the metrics that matter for your team: approval rate, TAT, override rate and decline\-reason distribution. + Flag early signs of deterioration in the cases your team touches, so the owners of portfolio monitoring can act on them. * **Drive automation and simplification** + Partner with Product, Data and Engineering to automate bureau pulls, decision rules and scorecards, and to simplify the analyst workflow so the team scales without adding headcount. + Continuously re\-draw the line between what gets auto\-approved and what an analyst must review. + Build your own analyses and lightweight tools (AI\-assisted coding, scripts, no\-code/low\-code) to take manual work out of your team's day\-to\-day — you don't need to be an engineer, but you should be able to ship something yourself. 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: * 5\+ years in credit risk / corporate credit analysis in Brazil, with hands\-on financial\-statement and cash\-flow analysis. * 2\+ years leading or coordinating a credit analysis team (manager, coordinator or supervisor), with a track record of developing analysts. * Deep working knowledge of Brazilian credit bureau data and scoring, including what each source does and doesn't tell you. * Experience working within credit policy and approval alçadas, with a strong instinct for when a case deserves to be challenged. * Comfort with data: advanced spreadsheets plus, ideally, SQL and a BI tool (Looker, Metabase, Tableau) to pull and validate your own numbers. * Curious and hands\-on with tooling: able to build your own small automations, scripts or internal tools (AI\-assisted coding, no\-code/low\-code) to remove manu