Cientista de Dados Especialista (Políticas de Crédito)

Accountabilities: Technical standards and governance: Develop and maintain technical playbooks and reusable frameworks for credit policy simulations, standardizing testing methodologies such as A/B testing and Champion/Challenger approaches. Build reusable functions for decision engines and establish structured reporting formats to communicate results and recommendations to executive stakeholders. Credit lifecycle strategy: Lead the design, calibration, implementation, and continuous improvement of credit decision rules and strategies across the entire customer lifecycle, including onboarding and credit origination, dynamic credit limit management, pricing, account maintenance, and collections. End-to-end applied Data Science: Apply advanced analytical techniques, optimization methods, and scenario simulations to evaluate business rules and credit strategies before production deployment. Conduct backtesting and stress testing to assess potential financial impacts and support data-driven decision-making. Performance monitoring and risk governance: Monitor the performance of active credit policies using key business and risk indicators, including conversion rates, approval rates, non-performing loans (NPL), overdue rates, roll rates, lifetime value (LTV), and risk-return trade-offs. Identify deviations from risk appetite and recommend timely adjustments. Innovation, research, and AI adoption: Lead the application of decision algorithms, machine learning, mathematical optimization, and artificial intelligence to develop more adaptive and personalized credit strategies. Promote automation throughout the policy development lifecycle, from hypothesis generation and experimentation to production monitoring, improving operational efficiency, delivery speed, and analytical maturity. Strategic partnership and executive support: Serve as a key analytical partner to Risk, Fraud, and Finance teams, translating complex data insights into clear, actionable recommendations that support strategic planning, business performance, and sustainable portfolio growth. Requirements Relevant experience: Proven experience developing and managing credit risk strategies and policies through Data Science roles in financial institutions, fintech companies, credit bureaus, or specialized consulting firms. Programming and analytics: Advanced proficiency in programming languages used for Data Science and statistical analysis, with the ability to develop robust analytical solutions and scalable decision-making processes. Big Data expertise: Strong command of Big Data processing languages, platforms, and tools for data preparation, feature engineering, and the development of analytical variables. Machine learning and experimentation: Solid practical knowledge of machine learning applied to credit policies, A/B testing, survival analysis, constrained optimization algorithms, and decision-making frameworks. Credit risk and financial metrics: Deep understanding of credit financial indicators, including credit P&L, risk-adjusted returns, loss provisions, NPL, LTV/CAC, vintage analysis, and roll rates. Strategic and analytical thinking: Ability to connect quantitative analysis with business objectives, assess complex risk-return trade-offs, and translate technical findings into actionable recommendations. Communication and collaboration: Strong communication skills and the ability to work effectively across multidisciplinary teams, influence stakeholders, and present analytical results to both technical and executive audiences. Ownership and innovation: A proactive, structured, and results-oriented approach to problem-solving, with the ability to lead initiatives independently, challenge existing strategies, and drive continuous improvement. Benefits Employment contract: Full-time employment under the Brazilian CLT regime. Remote work: Fully remote work model, with equipment, home office allowance, furniture assistance, and access to coworking spaces across Brazil through a partner network. Working hours: Eight hours per day, Monday through Friday. Healthcare and well-being: Medical and dental insurance with no copayments, life insurance, medication assistance, and support for physical activities. Mental and financial wellness: Access to financial wellness resources and four free monthly therapy or nutrition sessions through a well-being partner. Flexible meal allowance: A flexible food allowance provided through a Visa-branded card, allowing employees to choose how to use their balance. Family support: Childcare assistance, a parental support program, and extended maternity and paternity leave. Learning and professional development: Access to internal training programs and educational assistance covering 70% of eligible undergraduate tuition and language courses, as well as support for purchasing professional courses and books. Performance and financial incentives: Annual goal-based bonuses, an employee referral bonus, and a stock options plan. Work-life balance: A day off during your birthday month and a happy hour allowance. Collaborative culture: An informal, inclusive, and flexible work environment that encourages autonomy, innovation, continuous learning, and professional growth. Accessibility: Applications are open to people with disabilities (PwD).