Hybrid Control Desk & Credit Analyst – Analista de Mesa de Control y Crédito

at Clara

• Job title: Control Desk & Credit Analyst – Analista de Mesa de Control y Crédito
• Job type: Full Time
• Experience level: Junior, Mid level
• Salary: Not specified
• Degree requirement: No Education Requirement
• Tech skills: Python, SQL
• Location requirements: Hybrid, Bogota, Colombia

About the role

• Control Desk & Credit Analyst managing compliance standards in credit processes for a fast-growing B2B fintech. Collaborating with sales to support credit needs and mitigate risks in financial analyses.

Responsibilities

• Verify that all prospects comply with legal, cash flow, credit score, and risk assessment requirements.
• Manage onboarding processes, including KYC, KYB, AML checks, credit score validation, and credit origination.
• Analyze customer financial conditions and assess creditworthiness for B2B clients.
• Propose credit limits based on risk analysis and financial health.
• Review and challenge first-line credit risk models to ensure accuracy.
• Identify, propose, and implement process improvements using tools like N8N or Hubspot to streamline workflows.
• Support credit bureau audits and operational improvement initiatives.
• Collaborate closely with the Sales team to address customer credit needs while maintaining risk standards.

Requirements

• At least 2 years of experience in credit, collection activities, or financial analysis within a B2B environment.
• Working proficiency in English and Spanish (English will be evaluated).
• High analytical and problem-solving skills with a proven role-specific execution mindset.
• Demonstrated ability to perform both detailed quantitative and qualitative analyses.
• Comfortable working under pressure and handling repetitive tasks in a fast-paced, changing environment.
• Proficiency in Google Drive (specifically Google Sheets filters, pivot tables, and formulas).
• Experience or interest in AI tools to automate workflows.
• Experience using Hubspot, Metabase, or Zendesk. (Nice to have)
• Independent analytical skills using SQL or Python. (Nice to have)
• Ability to create clear flowcharts and presentations to communicate risk findings. (Nice to have)
• Basic Portuguese or a desire to learn it. (Nice to have)
• A good sense of humor. (Nice to have)

Benefits

• Competitive salary and stock options (ESOP) from day one
• Multicultural team with daily exposure to Portuguese, Spanish, and English (our corporate language)
• Annual learning budget and internal accelerated development paths
• High-ownership environment: we move fast, learn fast, and raise the bar — together
• Smart, ambitious teammates — low ego, high impact
• Flexible vacation and hybrid work model focused on results