Senior Risk Data Scientist (Científico de Datos de Riesgo Senior) - Latam at Clara

Ready to accelerate your career? Clara is the fastest-growing company in Latin America. We've built the leading solution for companies to make and manage all their payments. We already help over 20,000 large and growing businesses operate with agility and financial clarity through locally issued corporate cards, bill pay, financing, and a powerful B2B platform built for scale. Clara is backed by some of the most successful investors in the world, including top regional VCs like monashees, Kaszek, and Canary, and leading global funds like Notable Capital, Coatue, DST Global Partners, ICONIQ Growth, General Catalyst, Citi Ventures, SV Angel, Citius, Endeavor Catalyst, and Goldman Sachs - in addition to dozens of angel investors and local family offices. We’re building the financial infrastructure that powers high-performing organizations across the region. We invite you to join us if you want to be part of a fast-paced environment that will accelerate your career and support you to do some of the best work of your life alongside a passionate and committed team distributed across the Americas. What you'll do We're looking for a Data Scientist to join our Risk Data Science team. In this role, you will be instrumental in analyzing complex datasets to generate insights that drive critical business decisions, specifically within credit risk, fraud prevention, and churn reduction. You will work cross-functionally to design, build, and deploy data-driven strategies that ensure Clara continues to scale securely and efficiently. • Problem Definition and Solution Design: Identify and define problems collaboratively with cross-functional teams, proposing feasible end-to-end solutions and maintaining clear communication to ensure alignment with business objectives. • Problem Definition and Solution Design: Ability to identify and define problems collaboratively with cross-functional teams, propose feasible end-to-end solutions, and maintain clear communication and consistent project follow-up to ensure successful execution and alignment with objectives. • Data Understanding: Explore, profile, and interpret large datasets to gain a deep understanding of data structure, quality, and behavior. Identify patterns, anomalies, and trends; validate assumptions; assess data completeness and consistency; and translate data findings into clear insights that support informed business understanding and decision-making. • Data Cleaning and Preprocessing: Prepare, clean, and transform raw data to ensure it is suitable for analysis and model development. Apply data quality checks, validation rules, and preprocessing techniques in alignment with the data understanding and data preparation phases of CRISP-DM to ensure accuracy, consistency, and reliability. • Machine Learning and Predictive Analytics: Design, build, deploy and monitor machine learning models to improve business operations and drive innovation, following the CRISP-DM methodology—from business understanding and data understanding to modeling, evaluation, and deployment Continuously monitor model performance, data drift, and outcomes to ensure reliability and effectiveness in production. • Continuous Learning and Innovation: Stay up to date with the latest advancements in data science, machine learning, and statistical methods. Contribute to the development of new analytical approaches and tools. 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. • • Experience: At least 5 years of experience in data science, analytics, or a related field, including 2 to 3 years of hands-on experience developing credit risk models, with a strong background in statistical analysis and machine learning. • Technical Skills: • Proficiency in programming (Python). • Experience with SQL for data manipulation and querying. • Hands-on experience with ML platforms (MLflow, Databricks) and machine learning libraries such as scikit-learn, and PyTorch. • Experience with data visualization tools (e.g., metabase) is a plus. • Soft Skills: • Strong data storytelling and presentation skills, with the ability to communicate insights clearly to stakeholders and track initiatives end-to-end.Strong resilience and problem-solving mindset, with the ability to learn from challenges, understand the broader context, and focus on high-impact execution rather than task-driven delivery. • Education: A degree in Data Science, Computer Science, Mathematics, Statistics, or a related field (or equivalent practical experience). Must haves • Solid understanding of data engineering concepts and ETL processes • Nice to have experience taking data workflows or models from development to production • Master’s degree in Data Science or a related field Why join Clara At Clara, you’ll have the autonomy, speed, and support to make meaningful impact — not just on your team, but on how organizations are run across Latin America. Who we are • We’re the leading B2B fintech for spend management in Latin America. • Certified as one of the world's fastest-growing companies, a Great Place to Work, and a LinkedIn Top Startup. • Passionate about making Latin America more prosperous and competitive. • Constantly innovating to build financial infrastructure that enables each of our customers to thrive. • Product-led, high-talent-density culture — designed for builders who raise the bar. • Proud of our open, inclusive, and values-driven environment. What we believe in • #Clarity. We say things clearly, directly, and proactively. • #Simplicity. We reduce noise to focus on what really matters. • #Ownership. We take responsibility and never wait to be told. • #Pride. We build products and experiences we’re proud of. • #Always Be Changing (ABC). We grow through feedback, risk-taking, and action. • #Inclusivity. Every voice counts. Everyone contributes to our mission. What we offer • 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 If you’re ready for growth, ownership, and impact — apply now and help us redefine B2B finance in Latin America. Clara’s Hybrid Policy Claridians in a hybrid mode split their time between working from the office, talking to or visiting customers, or working from home. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for each individual and team. We don't enforce a minimum number of days for most roles, but you're expected to spend time at the office organically, and be at the office most days during your ramp-up or when required by your leader.