Klavi
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About
Klavi is a leading Brazilian financial technology platform that leverages Open Finance data to provide deep intelligence for credit risk, monitoring, and debt collection. By transforming raw banking data into structured, actionable insights, the platform enables financial institutions to move beyond traditional bureau scores. Its primary purpose is to reduce information asymmetry in the market, allowing lenders to understand the real financial behavior of their customers. This leads to more inclusive financial services, evidenced by the two million Brazilians who have already achieved financial inclusion through the use of Klavi’s technology. The core of the platform is built around high-precision AI-driven data categorization, which boasts an accuracy rate of over 97%. This technology powers several key solutions, including a streamlined Onboarding and KYC process that validates security through major banks. For credit teams, the platform offers tools to assess risk based on complete and current behavioral data, often revealing discrepancies between declared and real income. Additionally, the suite includes features for personalized marketing—tailoring offers to specific spending profiles—and intelligent recovery tools that predict the best moments for collection actions to minimize defaults. Klavi is specifically designed for banks, fintechs, and credit-granting organizations that operate within the Brazilian financial ecosystem. It is an ideal solution for companies looking to modernize their underwriting processes or those struggling with high delinquency rates and low approval yields. With over 80 enterprise clients, including major names like Banco BV, Serasa, and Vivo, the platform has proven its ability to scale across various sectors of the financial industry, from micro-lenders to large-scale telecommunications providers. What sets Klavi apart is its rigorous commitment to security and its first-mover advantage in the Open Finance space. It was the first platform in Brazil to achieve the updated ISO 27001:2022 certification, ensuring international standards for information security management. Regulated by the Central Bank of Brazil and fully compliant with LGPD (General Data Protection Law), Klavi provides a level of institutional trust that is critical for high-stakes financial operations. Its infrastructure, hosted on AWS Brasil with RSA encryption and mTLS API protocols, ensures high availability and data integrity for its 7 million-plus end users.
Pros & Cons
High accuracy rate of 97% for transaction categorization exceeds many industry standards.
First platform in Brazil to achieve the updated ISO 27001:2022 security certification.
Proven results including a 15% increase in credit approval rates for clients.
Full compliance with Brazilian LGPD and Central Bank regulations.
Infrastructure hosted in Brazil via AWS for low latency and high availability.
The website and technical resources are primarily provided in Portuguese.
No transparent public pricing is available without contacting a sales representative.
Services are specifically tailored for the Brazilian regulatory and banking environment.
Use Cases
Credit Analysts can use real-time Open Finance data to validate declared income versus actual cash flow, reducing risk and increasing approval precision.
Collection Teams can identify the optimal timing for recovery actions based on customer behavior, significantly lowering delinquency rates.
Fintech Product Managers can personalize financial offers by analyzing user purchase patterns and spending habits to improve conversion rates.
Compliance Officers can automate Onboarding and KYC processes through security validation against major banking databases.
Lenders can identify 'invisible' creditworthy customers who are ignored by traditional scores but show healthy cash flow in Open Finance data.
Platform
Features
• iso 27001:2022 certified
• delinquency prediction
• offer personalization engine
• income discrepancy analysis
• credit risk behavioral scoring
• onboarding & kyc validation
• open finance data intelligence
• 97% categorization accuracy
FAQs
Is Klavi a regulated entity?
Yes, Klavi is regulated by the Central Bank of Brazil, operating with total transparency and security in the Open Finance ecosystem.
How accurate is the data categorization?
The platform achieves over 97% precision in its intelligence for transaction categorization, allowing for highly detailed financial behavior profiles.
Does Klavi provide loans directly?
No, Klavi is a technology and data intelligence provider. It offers the tools for other financial institutions to grant credit more safely and intelligently.
What security certifications does the platform hold?
Klavi was the first Open Finance platform in Brazil to obtain the ISO 27001:2022 certification, the most current international standard for information security.
What kind of infrastructure does Klavi use?
The platform is hosted on AWS Brasil with multi-zone availability and uses RSA encryption and mTLS protocols for all API communications.
Pricing Plans
Enterprise
Unknown Price• Open Finance data integration
• 97%+ categorization accuracy
• Credit risk behavioral analysis
• KYC and Onboarding validation
• Income verification tools
• Offer personalization engine
• Collection and recovery insights
• ISO 27001:2022 security compliance
• API access with mTLS
• Dedicated support
Job Opportunities
Talent Acquisition Specialist
Boost credit approval rates by 15% and reduce delinquency using Open Finance data intelligence and high-accuracy transaction categorization for lenders.
Benefits:
Health and Dental Plan
Life Insurance
Flash Benefits (Meal/Food/Home Office)
Extended Parental Leave
Childcare aid
Education Requirements:
Education incentives
Experience Requirements:
Proven experience in Talent Acquisition (startups or tech companies preferred)
Experience with technical and business recruiting
Practical experience with active sourcing strategies
Other Requirements:
High autonomy and ownership
Excellent communication and organization skills
Advanced or fluent English
Responsibilities:
Responsible for end-to-end recruitment of technical and non-technical positions
Act as a strategic partner to the People team and leadership
Design and execute active sourcing strategies across multiple channels
Conduct structured interviews and behavioral/technical evaluations
Track and analyze recruitment metrics (time-to-hire, pipeline, etc.)
Show more details
Senior Data Analyst
Boost credit approval rates by 15% and reduce delinquency using Open Finance data intelligence and high-accuracy transaction categorization for lenders.
Benefits:
Health and Dental Plan
Life Insurance
Flash Benefits (Meal/Food/Home Office)
Extended Parental Leave
Childcare aid
Education Requirements:
Degree in Data Science, Statistics, Mathematics, Computing or related areas
Experience Requirements:
Solid experience as a Senior Data Scientist or equivalent
3+ years of experience in industry or retail (large scale data contexts)
Experience in market analysis, CRM, pricing, or commercial planning
Other Requirements:
Advanced proficiency in Python and SQL
Mastery of descriptive and inferential statistics
Experience with BI tools (Power BI, Tableau or similar)
Advanced English
Responsibilities:
Analyze large volumes of data to identify patterns and business opportunities
Translate analysis into actionable recommendations for strategy
Partner with Sales, Solutions, and Product teams
Build and maintain executive dashboards for decision-making
Operationalize analytical solutions and models for client-oriented deliveries
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Senior Data Engineer
Boost credit approval rates by 15% and reduce delinquency using Open Finance data intelligence and high-accuracy transaction categorization for lenders.
Benefits:
Health and Dental Plan
Life Insurance
Flash Benefits (Meal/Food/Home Office)
Extended Parental Leave
Childcare aid
Education Requirements:
Degree in IT, Engineering, Data Science or related areas
Experience Requirements:
5+ years of experience in Data Engineering
Advanced mastery of SQL and dbt (modular modeling and tests)
Experience with AWS ecosystem (S3, Glue, Athena, Redshift)
Other Requirements:
Experience with distributed processing (Spark/Hadoop)
Proficiency in Python, Java, or Golang
Knowledge of Scala, SPARQL, GraphQL, and Delta Lake
Advanced English
Responsibilities:
Project, build, and maintain scalable and reliable data pipelines
Automate ETL/ELT processes ensuring efficiency and quality
Ensure data availability, integrity, and consistency
Develop reusable components to support solution scalability
Collaborate with Engineering, Product, and Solutions teams
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Ratings & Reviews
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