Collections Analyst (Analista de Cobrança) - Sao Paulo / SP (Hybrid)
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
Increase the operational efficiency of the Collections team through process automation (n8n, AI, and integrations), while establishing control, operational routines, and governance for the external vendors and partners that support the collections operation.
Key responsibilities:
Active and Receptive Collections Routine
- Contact delinquent customers via WhatsApp and email.
- Respond to Customer Happiness tickets and related areas.
Projects and Process Automation
- Actively participate in Collections team projects (API development, self-negotiation tools, collections CRM, improvements to the CCB flow, etc.).
- Identify, prioritize, and implement automation opportunities for collections operations, including customer communication, invoice/boleto generation, n8n integrations, and AI agents.
- Continue and scale existing initiatives, such as improvements to the CCB generation flow, restriction removal flows with credit protection agencies, and discount negotiation agents.
Vendor Management
- Act as the main point of contact for strategic collections and recovery vendors.
- Establish an operational cadence to monitor Service Level Agreements (SLAs) and the quality of each vendor's deliverables.
- Lead contract negotiations and renegotiations to reduce costs and improve performance.
- Evaluate new vendors and market opportunities, including debt portfolio sale marketplaces (credit assignment).
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
- Prior experience with process automation tools (such as n8n); or, alternatively, a strong technical foundation (knowledge of Claude, ChatGPT, n8n) and genuine interest in working with these tools.
- Experience in collections, credit recovery, financial operations, or related operational areas.
- Experience with CCB generation and CNAB flows with securitization companies and banking partners.
- Experience managing vendors or external partners, including SLA tracking.
- Strong analytical skills, including data interpretation, objective prioritization based on effort versus impact, and reporting development - data driven.
- Ability to identify opportunities, design solutions, implement them, and measure results.
- Clear communication to report progress and results to leadership and partner teams, including Risk, Backoffice, Credit/CD, CH, Finance, Legal, and Data.
- Intermediate/advanced English (B2-C1).
Nice to haves
- Knowledge of SQL and/or BI (Business Intelligence) tools, such as Metabase, for performance metrics tracking.
- Prior experience in fintechs, securitization companies, or banks.
- A good sense of humor
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.