C

Clara

Spend management platform with corporate cards

Product Lead - Risk

Full-TimeUpdated on 10/23/2026
No salary listed
Senior
Bogotá, Bogota, Colombia
RemoteRemote-first; ramp-up, team events and customer visits occur in person during the year.
ProductProduct Management

About the job

Requirements
  • At least 5 years of product management experience, including at least 2 years focused on risk, fraud, credit, identity, or lending-adjacent products within fintech or payment platforms.
  • Ability to prototype concepts using AI coding tools, familiarity with GitHub branches, commits, pull requests, and reading diffs, and conceptual understanding of API integrations and webhook-based event flows.
  • Deep understanding of credit-line mechanics, KYC and identity-verification vendor stacks, and fraud signals such as transaction blocking and step-up authentication.
  • Ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards.
  • Track record of moving business metrics such as loss rates and approval rates, and managing cross-functional stakeholders across Legal, Finance, and Data Science.
  • Verbal and written communication skills in English.
Responsibilities
  • Own the Risk product surface across Acquisition and Portfolio Management, including onboarding risk checks, credit-line increases and decreases, and internal tools for the Fraud Risk Operations team.
  • Manage integrations with Credit and Fraud Risk vendors, including decisioning engines, credit bureaus, SIFT, and identity-validation vendors; map gaps and make build-versus-buy decisions.
  • Translate risk model outputs into product experiences in collaboration with Data Science and Credit Risk teams, accounting for model uncertainty.
  • Define and track approval rates, fraud loss rates, credit utilization, credit-line adjustment accuracy, and time-to-decision.
  • Accelerate product delivery by writing product requirements documents, managing the product backlog, and driving cross-team alignment.
  • Build no-code or low-code solutions and automate workflows using tools such as N8N or Oscilar.
  • Use AI tools such as Cursor, Claude Code, or v0 to prototype concepts, make straightforward code or configuration changes, and build independent analytics dashboards.
Desired Qualifications
  • Working proficiency or basic knowledge of Spanish or Portuguese, with a desire to learn.
  • Product experience in Latin American fintech markets, especially credit products in Mexico, Colombia, or Brazil.
  • Familiarity with specialized decisioning platforms such as Oscilar and local direct debit or payment rails such as SPEI, Pix, or ACH, including their risk implications.

About the company

Clara provides a spend management platform and related financial services to Latin American businesses. It helps companies track, control, and optimize expenses through its core spend management software. In addition, Clara issues locally-issued corporate cards, offers Bill Pay to simplify paying bills, and provides financing options to support growth. The business model combines subscription fees for the platform with transaction-based revenue from card usage, payments, and financing. Clara differentiates itself by focusing on the Latin American market, delivering integrated tools within one ecosystem (spend management, corporate cards, bill pay, and financing) tailored to local needs, and by emphasizing core values like ownership, clarity, simplicity, and inclusivity. Its goal is to enable businesses in the region to gain financial clarity and agility, helping them manage spending efficiently and access growth capital.

Company Size

501-1,000

Company Stage

Debt Financing

Total Funding

$574.5M

Headquarters

Mexico City, Mexico

Founded

2020

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Simplify's Take

What believers are saying

  • Goldman renewed Clara's $150 million facility on February 5, 2026.
  • Clara announced $70 million structured debt in November 2025 for Mexico and Colombia.
  • Bitso and L'Oréal corporate cards, plus Travel Pay, expand monetizable use cases.

What critics are saying

  • Goldman debt renewal on February 5, 2026 deepens dependence on lender confidence.
  • Brazil's regulatory complexity keeps expanding, raising compliance failure risk and launch delays.
  • Mercado Pago and Ramp compress margins; a credit shock can freeze Clara's growth.

What makes Clara unique

  • March 2026 Bitso partnership made Clara first LatAm stablecoin-collateralized corporate cards.
  • Clara bundles cards, bill pay, travel pay, and AI finance software.
  • May 2026 Brazil hires strengthened regulatory and customer-success execution locally.

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Benefits

  • Unlimited Paid Time Off
  • Hybrid Work Options
  • Professional Development Budget
  • Stock Options

Growth & Insights and Company News

Headcount

6 month growth

5%

1 year growth

3%

2 year growth

3%
Startups.com.br
May 22nd, 2026
Clara strengthens Brazilian operations with two new female leaders.

Clara strengthens Brazilian operations with two new female leaders. The hires come with the mission of building the structures that will sustain Clara's next phase of growth in the country. 22/05/2026 11:20 Clara, the leading corporate payment and expense management solution in Latin America, announces the hiring of two senior executives for its Brazilian operations: Mariana Cardarelli takes on the role of Head of Regulatory Affairs and Bruna Miguel as Head of Customer Success (CSM), responsible for client relations. Mariana Cardarelli joins Clara after a stint at RecargaPay, where she worked for three years as Executive Manager of Compliance, Privacy and Data Protection, also serving as DPO (Data Protection Officer). In that position, she led the structuring of the LGPD compliance program, data governance and the implementation of artificial intelligence frameworks aligned with ethical and regulatory standards. Before that, she was Head of Legal, Compliance and DPO at BT Créditos. At Clara, Mariana takes charge of the regulatory area in the country with the challenge of navigating an increasingly complex ecosystem. Bruna Miguel, meanwhile, brings over a decade of experience in the financial sector, with stints at institutions such as Banco BV, Getnet, Itaú Unibanco and Santander. At Banco BV, she held commercial leadership positions in Cash Management, Banking as a Service and the Bankly platform, leading negotiations with large corporate accounts and leading multidisciplinary sales and customer success teams. She also worked at Fintech Magalu, where she structured B2B customer segmentation and led Key Accounts projects. At Clara, Bruna takes on strategic client management, ensuring retention, expansion and excellence in the platform experience. The hires are part of a deliberate move by Clara to bring in leaders capable of sustaining the company's expansion pace in Brazil. The fintech has significantly expanded its product range, incorporating solutions based on artificial intelligence, such as integrations via MCP (Model Context Protocol), agentic payments and automated financial analysis tools, in addition to a digital account with a complete structure for supplier automation and accounts payable. With the sophistication of the portfolio, the regulatory complexity also grows, as does the need for key client management that keeps pace with the adoption of these new solutions. It is exactly at this intersection that Mariana and Bruna come in: the first to continue evolving the legal and regulatory architecture in this expansion context, the second to ensure that the largest clients extract real value from the new products. 'We have prioritized people with a builder profile, who come to build frameworks, not just operate existing ones. Mariana and Bruna have this mindset. Inclusivity is one of our core values, and having women build the structures that will redefine corporate financial management in Latin America is a direct reflection of how we think about growth', says Gerry Giacomán Colyer, co-founder and CEO of Clara. Startups is part of the routine of more than 30 thousand decision-makers. Are you going to miss out?

Valora Analitik
Dec 29th, 2025
BBVA Spark grants $36M credit facility to fintech Clara with Cuatrecasas advising

BBVA Spark has granted a $36 million credit facility to Clara, a Latin American corporate expense management fintech, with advisory from Cuatrecasas law firm. The financing aims to support the entrepreneurial ecosystem and assist technology companies expanding across the region. Cuatrecasas advised Banco Bilbao Vizcaya Argentaria Colombia and its subsidiary BBVA Spark on structuring, negotiating and closing the transaction. Manuel Quinche, managing partner of Cuatrecasas' Bogotá office, led the operation. The credit represents a step forward for Colombian banking in strengthening the region's technology and financial ecosystem, providing opportunities for fintechs to transform and expand to new clients and markets. Clara operates a corporate spending management platform serving businesses throughout Latin America.

Investor Daily Buzz
Dec 4th, 2025
Goldman Sachs lends $150M to Mexican fintech unicorn Clara for Latin American expansion

Goldman Sachs has extended a $150 million credit line to Clara, a Mexican fintech startup that provides business lending and expense management services. The facility starts at $50 million with an option to increase to $150 million. The financing will help the unicorn expand its lending operations and grow throughout Latin America, with plans to enter Peru and Chile next. Clara CEO Gerry Giacoman said the credit line will enable the company to more than double its coverage in Mexico whilst investing in product development and geographic expansion. Founded in 2021, Clara reached a $1 billion valuation in December and currently operates in Mexico, Brazil and Colombia, serving over 5,000 companies. Goldman Sachs has recently extended similar credit facilities to several Latin American fintechs, including Konfio, MercadoLibre and Nubank.

PYMNTS
Sep 17th, 2025
Clara and Bitso Team to Launch Stablecoin-Backed Payments

The collaboration, announced Wednesday (Sept. 17), will see Clara work with Bitso Business, the company's B2B arm, to launch stablecoin-backed payments and corporate cards for businesses in Latin America.

LatamList
Jul 1st, 2025
Latamlist Roundup June 16th - June 30th: Belvo and Ualá partnered to expand credit access.

Nequi, the Colombian digital wallet, launched Nequi Negocios, a feature that lets merchants accept payments directly from their phones - no traditional point-of-sale terminal required.