Product Lead - Risk

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 Product Lead, Risk to lead our new Risk Builder squad within the Biz Ops tribe. Risk is one of the highest-leverage areas in Clara’s product portfolio; getting credit lines, identity verification, and fraud signals right is what allows us to scale rapidly across LatAm without increasing losses. As the Product Lead for this lean, high-ownership squad, you will report to the Group Product Manager and partner directly with a senior engineer, Credit Risk, Fraud, Finance, and Data Science teams. You will own the full credit lifecycle from a product perspective—balancing high-velocity execution with strict risk mitigation. Your primary responsibilities will include: - Owning the entire Risk product surface across both Acquisition and Portfolio Management, including onboarding risk checks, credit line increases/decreases, and internal tools for the Fraud Risk Operations team. - Managing the integration layer with critical Credit and Fraud Risk vendors (Decisioning Engines, Credit Bureaus, SIFT, and ID Validation Vendors), mapping gaps, and making high-impact build vs. buy decisions. - Translating complex risk model outputs into seamless product experiences by collaborating closely with Data Science and Credit Risk teams to design around model uncertainty.

- Defining and tracking core business metrics , including approval rates, fraud loss rates, credit utilization, credit line adjustment accuracy, and time-to-decision. - Accelerating product delivery by writing clear PRDs, managing the product backlog, and driving cross-team alignment without relying on unnecessary meetings. - Building no-code/low-code solutions and automating workflows using tools like N8N or Oscilar. - Embracing a builder mindset by leveraging AI tools like Cursor, Claude Code, or v0 to prototype concepts, making straightforward code or configuration changes, and self-serving your own analytics dashboards. 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. Must haves - Experience: 5+ years of experience in product management, with at least 2 years explicitly focused on risk, fraud, credit, identity, or lending-adjacent products within fintech or payment platforms. - Technical Fluency: Ability to prototype concepts using AI coding tools, familiarity with GitHub (managing branches, commits, PRs, and reading diffs), and a solid conceptual understanding of API integrations and webhook-based event flows. - Domain Knowledge: Deep understanding of credit-line mechanics (segmentation, adjustments), KYC/ID verification vendor stacks, and fraud signals (transaction blocking, step-up authentication). - Data & Analytics Literacy: Strong analytical skills with the ability to write SQL queries, conduct cohort analysis, design experiments, and build independent dashboards. - Execution & Communication: Exceptional verbal and written communication skills in English; a track record of moving hard business metrics (loss rates, approval rates) and managing cross-functional stakeholders across Legal, Finance, and Data Science. - Mindset: High agency, comfort with ambiguity, and an eagerness to operate in a lean, fast-paced squad with massive autonomy.