Senior Data Scientist – Credit Policies

• Own the end-to-end design, hypothesis testing, simulation, and optimization of business rules and strategies throughout the customer lifecycle
• Develop and apply advanced data analysis, optimization, and scenario simulation techniques, including backtesting and stress testing
• Measure the financial impact of changes to business rules before deploying them to production
• Build, calibrate, and enhance decisioning strategies and rules for credit origination/onboarding, dynamic credit-limit management, pricing, portfolio maintenance, and collections
• Use and contribute to policy simulation frameworks, A/B testing and Champion/Challenger methodologies, routine modularization, and analytical structures for presentations
• Monitor the performance of decisioning flows and strategies through business and risk metrics, recommending adjustments
• Apply decision algorithms, machine learning, and mathematical optimization to develop dynamic, personalized strategies
• Incorporate Artificial Intelligence and automation tools into daily workflows
• Collaborate with Risk, Fraud Prevention, and Finance teams, translating analyses into actionable technical recommendations

• Solid, proven experience structuring and optimizing credit risk strategies, working hands-on with Data Science in financial institutions, fintechs, credit bureaus, or consulting firms
• Advanced proficiency in programming languages for data analysis and Data Science
• Proficiency in programming languages and hands-on experience with Big Data environments for extracting, cleaning, and creating analytical variables
• Strong practical experience in predictive modeling applied to policy development
• Experience designing and evaluating A/B tests
• Experience with classification and regression algorithms
• Experience with constrained optimization and simulations
• Good understanding of Credit P&L, Risk-Adjusted Return, Loss Provision, NPL, LTV, vintages, and roll rates

• Medical and dental insurance with no co-payment
• Life insurance
• Prescription medication allowance
• Fitness allowance
• Four free therapy or nutritionist sessions per month
• Quick massage at headquarters
• Flexible meal allowance on a Visa card
• Free food at headquarters
• Childcare allowance
• Parental support program
• Extended maternity and paternity leave
• In-house training platform
• Education allowance covering 70% of undergraduate tuition and language courses, as well as the purchase of courses and books
• Home office allowance
• Work equipment
• Furniture allowance
• Partnership with WOBA for coworking access throughout Brazil
• Birthday month day off
• Happy hour allowance
• Referral bonus for new hires
• Annual goal-based bonus
• Stock option plan
• No dress code