Senior Data Scientist – Credit

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

📋 Description

• Create and implement credit scoring, affordability, and behavioral models for underwriting, pricing, and collections.

• Design and conduct experiments aimed at enhancing approval rates, reducing loss rates, and improving profitability.

• Collaborate with product teams to integrate decision-making logic into real-time systems.

• Ensure the quality of data, compliance, and ethical application of models throughout the decision-making processes.

• Guide product teams on best practices for experimentation and data-driven decision-making.

• Deliver models that enhance collections, manage churn, and promote user retention.

• Develop credit risk models and assist in pricing strategies, credit limit modeling, and the deployment of credit models.

⛳️ Requirements

• A degree or qualifications in a quantitative discipline such as Statistics, Mathematics, Engineering, or a related field.

• Over 5 years of experience in data science, decision science, or risk analytics within the financial services sector.

• Familiarity with credit risk, consumer lending, and relevant regulatory requirements.

• Proficient in SQL and at least one modeling/programming language (Python, R).

• Experience with A/B testing, machine learning, collections modeling, and churn management.

• Capability to convert complex analyses into clear recommendations for business stakeholders.

• Strong ownership mentality and the ability to thrive in fast-paced, cross-functional teams.

🏝️ Benefits

• Pension.

• Health insurance.

• Monthly bonuses.

• Learning and development-focused environment.

• Knowledge sharing and training opportunities.

• Regular internal technical discussions.

• People-first culture emphasizing employee well-being.

• An inclusive environment where all opinions and voices are respected.