Data Scientist

This is a fully remote position, open to applicants in Portugal.

📋 Description

• Design, construct, and enhance Machine Learning models that drive origination, behavioral scoring, limit management, and early-warning systems.

• Utilize alternative data sources such as transaction behavior, merchant data, and device intelligence to boost predictive accuracy.

• Assess and implement the necessary infrastructure for the deployment, monitoring, and retraining of models at scale.

• Investigate the use of innovative architectures (transformers, foundational models, etc.) for credit risk and associated tasks.

• Partner with cross-functional teams to uncover opportunities for data-driven insights and solutions.

• Collaborate with other members of the Credit Risk team to develop credit policies throughout the entire customer lifecycle: origination, limit management, restructuring, and write-offs.

• Enjoy significant autonomy and ownership: you will manage at least one Machine Learning model from start to finish.

• Present findings and insights to both technical and non-technical audiences.

⛳️ Requirements

• Master's degree or higher in Data Science, Computer Science, Statistics, Mathematics, or a related discipline.

• Over 5 years of experience in Data Science, Machine Learning, or a comparable field.

• Strong expertise in Python and SQL.

• Familiarity with Machine Learning libraries such as Scikit-Learn, XGBoost, TensorFlow, Keras, and Pytorch.

• Proven experience managing models or analytical systems end-to-end, including performance monitoring, retraining, documentation, and stakeholder engagement.

• Comfort with AI coding assistants, such as Claude Code and Codex, to enhance productivity.

• Proficiency in data analysis, visualization, and manipulation tools, including Pandas, Matplotlib, and Seaborn.

• Optional but advantageous: Experience in credit risk, fraud, underwriting, lending, financial services, or other regulated decision-making domains.

• Familiarity with dbt (Data Build Tool) for SQL data transformation.

• Experience with novel, transformer-based architectures.

• Strong problem-solving abilities and a creative mindset.

• Capability to convey model trade-offs, risk implications, and business impacts to both technical and non-technical stakeholders.

🏝️ Benefits

• Competitive salary based on performance and experience.

• Opportunity to earn Klar stock options.

• 26 days of paid vacation annually.

• Provision of a computer device.

• International work environment with exceptional and highly skilled colleagues.

• A world-class team that supports your skill development in areas of interest.

• Wellhub subscription to promote mental and physical health.