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