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 Operations & Control Desk Analyst to support the safe, efficient, and scalable growth of Clara’s credit portfolio in Brazil.

This role plays a critical part in ensuring that business customers are properly onboarded, credit approval conditions are met, and operational risks are identified and addressed before credit facilities are activated.

You’ll work closely with Credit, Risk, Sales, Compliance, Legal, and Technology teams to ensure accurate execution of credit processes, strong internal controls, and a seamless customer experience.

We’re looking for someone with a strong analytical mindset, attention to detail, and a hands-on approach to problem-solving. You’ll have the opportunity to challenge existing processes, identify opportunities for automation, and contribute to building scalable credit operations.

Key Responsibilities

Credit Operations & Onboarding

Review and validate corporate, legal, and financial documentation throughout the customer onboarding and credit activation process.
Verify company registration information (CNPJ), corporate structures, legal representatives, powers of attorney, and supporting documentation.
Ensure that credit approval conditions, documentation requirements, and internal policies are fulfilled before credit facilities are activated.
Monitor automated onboarding workflows, identify exceptions, and ensure accurate and timely case resolution.
Coordinate with Credit, Risk, Compliance, Legal, and Sales teams to resolve pending requirements and operational issues.

Risk Management & Internal Controls

Identify inconsistencies, potential fraud indicators, documentation gaps, and operational risks, ensuring timely escalation when necessary.
Support KYC, KYB, and CDD controls in coordination with Compliance, ensuring adherence to internal policies and applicable regulatory requirements.
Maintain accurate records, supporting evidence, and audit trails to ensure transparency and traceability.
Apply sound judgment to determine when cases can proceed, require additional validation, or must be escalated for further review.
Support the implementation and monitoring of preventive controls to minimize operational and credit-related risks.

Process Improvement & Automation

Identify bottlenecks, recurring issues, and opportunities to simplify and improve operational workflows.
Collaborate with Technology and other stakeholders to support process automation, system enhancements, and testing of new solutions.
Monitor operational KPIs, turnaround times, and SLAs, contributing to improvements in efficiency and service quality.
Document procedures, operational controls, and exception-handling processes to support consistency and scalability.
Leverage data and AI-powered tools to improve accuracy, reduce manual activities, and strengthen operational controls.

What Success Looks Like

Credit onboarding and activation processes are completed accurately, efficiently, and within established SLAs.
Credit approval conditions and documentation requirements are consistently verified before activation.
Operational risks, inconsistencies, and exceptions are identified and escalated in a timely manner.
Internal controls, documentation quality, and audit readiness are continuously strengthened.
Manual processes and recurring operational issues are reduced through automation and continuous improvement.

We’re looking for someone who combines analytical thinking, strong execution skills, and a proactive approach to problem-solving.