Collections Analyst

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

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 similar); or, alternatively, a strong technical foundation (knowledge of Claude, ChatGPT, Gemini, n8n, or other AI tools) and genuine interest in working with these tools.
• Experience in collections, credit recovery, financial operations, or related operational areas.