Data Scientist – Credit Policy Specialist

• Develop and maintain the team’s technical playbook and policy simulation frameworks
• Standardize testing methodologies (A/B testing, Champion/Challenger), reusable functions for decision engines, and structured outputs for executive presentations
• Lead the design, calibration, and continuous evolution of decisioning strategies and rules across the entire credit lifecycle
• Use data analysis, optimization, and scenario simulations (backtesting/stress testing) to measure financial impacts before production deployment
• Continuously monitor the performance of active decision rules and strategies using business and risk metrics
• Propose agile adjustments when deviations from the risk appetite are identified
• Lead the application of decision algorithms, Machine Learning, and mathematical optimization
• Integrate Artificial Intelligence and automation from ideation and hypothesis testing through production monitoring
• Act as the primary analytical partner to the Risk, Fraud, and Finance teams
• Translate complex data insights into strategic recommendations that guide the business

• Significant, proven experience with credit risk strategies and policies, working in Data Science at financial institutions, fintechs, credit bureaus, or specialized consulting firms
• Advanced proficiency in programming languages used for data analysis and Data Science
• Strong command of Big Data languages and tools for creating analytical variables
• Solid practical knowledge of Machine Learning applied to policies, A/B testing, survival analysis, constrained optimization algorithms, and decisioning frameworks
• Deep understanding of credit financial metrics (Credit P&L, Risk-Adjusted Return, Loss Provision, NPL, LTV/CAC, vintages, and roll rates)
• 8-hour workday, Monday through Friday
• Employment under Brazil’s CLT labor regime

• Medical and dental insurance with no copay
• Life insurance
• Prescription drug assistance
• Fitness and wellness allowance
• Four free therapy or nutritionist sessions per month
• Quick massage at headquarters
• Flexible meal benefit on a Visa card
• Free food at headquarters
• Childcare assistance
• Parental support program
• Extended maternity and paternity leave
• In-house training platform
• Education assistance covering 70% of undergraduate and language course tuition
• Assistance for purchasing courses and books
• Home office allowance
• Work equipment
• Home office furniture allowance
• Partnership with WOBA for coworking space access throughout Brazil
• Birthday-month day off
• Happy hour allowance
• Referral bonus for recommending new employees
• Annual performance-based bonus
• Stock option plan
• No dress code