Data Scientist – Credit Policy Specialist

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

📋 Description

• Create and uphold 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.

• Spearhead the design, calibration, and ongoing enhancement of decision-making strategies and rules throughout the entire credit lifecycle.

• Employ data analysis, optimization, and scenario simulations (backtesting/stress testing) to assess financial impacts prior to production deployment.

• Regularly track the performance of active decision rules and strategies using business and risk metrics.

• Suggest agile modifications when discrepancies from the risk appetite are detected.

• Direct the application of decision algorithms, Machine Learning, and mathematical optimization.

• Incorporate Artificial Intelligence and automation from ideation and hypothesis testing to production monitoring.

• Serve as the primary analytical collaborator with the Risk, Fraud, and Finance teams.

• Convert complex data insights into strategic recommendations that inform business direction.

⛳️ Requirements

• Extensive, verified experience with credit risk strategies and policies, with a background in Data Science at financial institutions, fintechs, credit bureaus, or specialized consulting firms.

• Advanced expertise in programming languages pertinent to data analysis and Data Science.

• Strong proficiency in Big Data languages and tools for developing analytical variables.

• Solid hands-on knowledge of Machine Learning applied to policies, A/B testing, survival analysis, constrained optimization algorithms, and decision-making frameworks.

• Profound comprehension 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 governed by Brazil’s CLT labor regime.

🏝️ Benefits

• Comprehensive medical and dental insurance with no copay.

• Life insurance coverage.

• Assistance with prescription drugs.

• Fitness and wellness allowance.

• Four complimentary therapy or nutritionist sessions monthly.

• Quick massage services at headquarters.

• Flexible meal benefits provided via a Visa card.

• Free meals available at headquarters.

• Childcare support.

• Parental support programs.

• Extended maternity and paternity leave options.

• In-house training platform available.

• Education assistance covering 70% of undergraduate and language course tuition fees.

• Support for purchasing courses and books.

• Home office allowance provided.

• Provision of work equipment.

• Home office furniture allowance offered.

• Partnership with WOBA for coworking space access across Brazil.

• Day off during the birthday month.

• Happy hour allowance.

• Referral bonus for recommending new hires.

• Annual performance-based bonus structure.

• Stock option plan available.

• No dress code policy.