Credit Data Science Specialist

Accountabilities:

• • Develop, implement, and monitor credit scoring and churn predictive models using transactional and financial data.
  • Analyze revenue trends using statistical techniques such as linear regression and confidence intervals.
  • Apply generative AI and advanced analytical approaches to automate and scale credit analysis while maintaining eligibility and validation requirements.
  • Conduct portfolio analysis and backtesting, including Vintages and Roll Rates, to inform credit limits, pricing, and retention strategies.
  • Build propensity-to-pay models to improve debt recovery and support segmentation of external collection strategies.
  • Evaluate the financial feasibility of judicial versus extrajudicial collection approaches.
  • Design and maintain real-time dashboards and operational reporting covering KPIs such as First Payment Default (FPD), Provision for Doubtful Accounts (PDD), and debt renegotiation effectiveness.
  • Partner with data engineers to develop a useful data lake and transform raw data into structured variable books and high-value features.
  • Work with large-scale transactional datasets and internal or external validation databases to generate reliable business insights.
  • Collaborate with cross-functional teams to translate analytical findings into credit and collections policies, processes, and strategic decisions.
  • Continuously explore ways to improve data analysis, KPI generation, modeling workflows, and operational efficiency through new technologies and AI tools.

  Requirements:

  • Bachelor’s degree in Statistics, Engineering, Economics, Mathematics, Computer Science, or a related quantitative discipline.
  • Hands-on experience using Python to develop and apply statistical and machine learning models, particularly regression and classification algorithms for financial forecasting.
  • Solid understanding of the credit lifecycle and experience working with credit and collections indicators such as FPD, PDD, Vintages, Roll Rates, SCR, and Serasa data.
  • Proven experience developing predictive models and performing complex statistical calculations.
  • Experience creating propensity-to-pay models and analyzing collection and recovery strategies.
  • Advanced SQL skills, with the ability to extract, transform, and analyze large-scale transactional datasets.
  • Strong understanding of statistical modeling, data analysis, and machine learning concepts.
  • Ability to translate raw data into meaningful variables, features, insights, and business recommendations.
  • Strong analytical thinking and curiosity, with an interest in understanding how the business operates beyond purely technical requirements.
  • Experience with data visualization, dashboards, and KPI development for operational and management reporting.
  • Familiarity with AI tools and a willingness to adopt new technologies to improve analytical efficiency.
  • Strong communication and collaboration skills, particularly when working with data engineering and business stakeholders.
  • Business English is a strong advantage for collaborating with international teams and contributing to global initiatives.

  Benefits:

  • Remote work: Work from anywhere within Brazil.
  • Wellness membership: Complimentary Gold+ access to fitness, wellness, meditation, nutrition, and mental wellbeing resources, with the option to add up to three family members.
  • Emotional wellbeing: Access to a dedicated wellbeing program with personalized journeys, including up to 52 individual therapy sessions per year and on-demand resources.
  • Healthcare: Health, dental, and life insurance.
  • Flexible benefits: A flexible benefits program that allows you to customize selected benefits according to your needs.
  • Flexible schedule: Collaboratively define working schedules with your leadership team based on time zones, team requirements, and personal routines.
  • Paid time off: Vacation eligibility after six months, plus additional annual days off, tenure-based extra days, and an additional day off for your birthday.
  • Parental leave: 100% paid parental leave for new parents, with extended leave and a gradual return-to-work option for parents giving birth.
  • Career development: Access to learning platforms, interactive development sessions, personalized growth plans, and internal career opportunities.
  • Inclusive culture: A collaborative environment focused on wellbeing, diversity, belonging, continuous learning, and equitable opportunities.
  • Employment type: The position is offered exclusively as a CLT employment arrangement in Brazil.