Control Desk & Credit Analyst (Analista de Mesa de Controle e Crédito) – São Paulo (Hybrid)
What you'll do
We're looking for a Control Desk & Credit Analyst to support the safe and scalable growth of Clara's portfolio in Brazil. This role is essential to ensuring the effectiveness of our automated onboarding flows, while applying rigorous KYC, KYB, and CDD standards to business customer accounts.
You'll work in close partnership with Sales, Compliance, and Customer teams, ensuring that onboarding processes are completed efficiently and accurately—without compromising on quality. This role requires a strong analytical mindset and a collaborative approach, as you'll be helping build scalable internal controls that support Clara’s long-term growth.
Key responsibilities:
Monitor and review onboarding processes to ensure accuracy and adherence to internal controls.
Collaborate with Sales and other Customer-facing teams to complete timely and thorough KYC/KYB and CDD reviews.
Flag and escalate inconsistencies or risks in real time, ensuring we meet our internal SLAs and compliance standards.
Maintain up-to-date knowledge of policies and procedures, and contribute to a culture of continuous improvement.
Work cross-functionally to identify bottlenecks or risks and support automation and process enhancements.
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
Minimum 3 years of experience in Financial Analysis, Credit Risk Assessment, KYC, CDD, or related risk and compliance functions.
Strong analytical rigor to credit evaluation
Proven ability to interpret financial statements (Balance Sheet, Income Statement, Cash Flow) for credit decision-making.
Strong proficiency in Excel and confidence working with large datasets and financial indicators.
Solid numerical skills and an analytical mindset, capable of connecting metrics to risk exposure.
Intermediate English proficiency and working proficiency in Portuguese.
Familiarity with AI tools to automate workflows and improve analysis efficiency.
Nice to haves
Experience in a high-growth startup or tech-driven financial institution.
Basic proficiency in Spanish, or the motivation to learn.
Exposure to quantitative models (e.g., Z-Score, logistic regression) for solvency prediction.
Independent analytical skills using spreadsheets or BI tools.
Where we work
This is a hybrid role: you'll split your time between the office, customers and home. We don't set a minimum number of office days for most roles — you'll spend time in the office naturally, and most days during your ramp-up or when your leader asks.