Credit Operations & Control Desk Analyst (Analista de Operações de Crédito e Mesa de Controle) – São Paulo (Hybrid)

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.

• 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.

• 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.

• 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.

• 2+ years of experience in Credit Operations, Credit Formalization, Control Desk, Financial Operations, or related roles within banks, fintechs, financial institutions, or similar fields.
• Experience working with corporate clients (B2B/PJ), including the review and validation of corporate and legal documentation.
• Understanding of credit onboarding processes, internal controls, and operational risk management.
• Familiarity with KYC/KYB requirements and customer due diligence processes.
• Strong analytical skills, attention to detail, and ability to identify inconsistencies and potential risks.
• Proficiency in Excel or Google Sheets, including data analysis and operational reporting.
• Strong organizational skills and ability to manage multiple cases while meeting established SLAs.
• Strong communication skills and ability to collaborate with cross-functional teams.
• A proactive, problem-solving mindset with a strong sense of ownership and accountability.
• Fluency in Portuguese and intermediate English proficiency.

• Experience in B2B lending, corporate credit, or credit products within a fintech environment.
• Knowledge of Brazilian corporate documentation, credit agreements, and guarantee formalization.
• Experience reviewing financial statements and basic credit risk indicators.
• Familiarity with BI tools, SQL, workflow automation, or operational dashboards.
• Experience identifying fraud indicators or supporting fraud prevention controls.
• Familiarity with AI tools and their application to operational efficiency and process improvement.
• Basic Spanish proficiency or willingness to learn.
• A good sense of humor

Why Clara

• A high talent-density team driven to make an impact in Latin America — low ego, high ownership.
• Competitive salary and stock options (ESOP) from day one.
• An annual learning budget and accelerated development paths.
• English is our working language, with Spanish and Portuguese every day.

How we work

• Clarity — Open and direct communication: we say what we mean and give context where it matters.
• Simplicity — If it can be simpler, it should be.
• Ownership — We own everything we do, end to end. When something needs to happen, we don't wait.
• Pride — We hold ourselves to a high standard, and it shows in what we deliver.
• ABC (Always Be Changing) — We adapt fast, embrace change, and keep learning.
• Inclusivity — Diverse ideas, stories and perspectives build a better Clara.

If you meet the must-haves, apply — the nice-to-haves are a bonus, not a requirement.