Cientista de Dados Especialista (Modelagem de Crédito)

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Cientista de Dados Especialista (Modelagem de Crédito) based in Brazil.

As a Senior Data Scientist, you will serve as a technical reference for credit modeling, leading the full lifecycle of statistical and machine learning models.
You will work with large volumes of structured and unstructured data to develop highly predictive solutions across the customer credit lifecycle.
The role combines advanced modeling, data engineering, validation, deployment, and continuous production monitoring.
You will help optimize the balance between credit risk and return by turning complex data into actionable insights for decision-makers.
You will collaborate closely with teams across Credit, Policy, Risk, Products, Fraud Prevention, and Engineering.
This is a strategic and hands-on opportunity to introduce new modeling techniques, alternative data sources, and AI capabilities into credit decision-making.
You will also contribute to technical standards, model governance, reproducibility, and the continuous evolution of the data science function.

Accountabilities:

• Develop and maintain the technical playbook and model development pipelines, standardizing methodologies, reusable functions, validation criteria, and structured outputs for executive and technical presentations while ensuring efficiency, reproducibility, and compliance with technical requirements.
• Lead the creation, calibration, and evolution of predictive models across the credit lifecycle, including Application, Behavior, Collection, Early Warning, PD, LGD, and EAD models.
• Own the end-to-end modeling process, from data extraction and manipulation and feature engineering through methodology definition, validation, deployment support, and implementation in collaboration with Engineering and IT teams.
• Continuously evaluate model performance and stability in production using metrics such as Gini, KS, and Population Stability Index (PSI), recommending recalibration or replacement when appropriate.
• Create and maintain technical model documentation and model dossiers, ensuring auditability, reproducibility, and alignment with business and regulatory requirements.
• Explore, test, and implement new statistical techniques, Machine Learning algorithms, and alternative data sources to improve model discriminatory power.
• Act as a strategic analytical partner to Policy, Risk, and Fraud Prevention teams, providing risk curves, simulations, and analytical insights to support executive decision-making.
• Identify opportunities to expand the use of Artificial Intelligence across the team's workflows, from project ideation and management through technical execution of analytical initiatives.

Requirements

• Proven and consistent experience building and validating credit risk models within financial institutions, fintechs, credit bureaus, or specialized consulting firms.
• Advanced proficiency in programming languages used for data analysis and statistical modeling.
• Strong experience with languages and technologies for extracting and manipulating large volumes of Big Data, including structured and unstructured datasets.
• Solid theoretical knowledge and practical experience with advanced Machine Learning and Deep Learning techniques, logistic regression, decision trees, validation, and sampling methodologies.
• Familiarity with model explainability frameworks for black-box models, including SHAP and LIME.
• Deep understanding of the credit lifecycle, fundamental risk metrics, and the impact of analytical solutions throughout the credit cycle.
• Strong strategic perspective, with the ability to identify, structure, and expand the use of Artificial Intelligence across data science workflows.
• Ability to translate complex analytical findings into practical inputs for business and executive decision-making.
• Strong problem-solving, analytical, and technical communication skills, with the ability to work collaboratively across multidisciplinary teams.

Benefits

• Full-time CLT employment.
• 8-hour workday, Monday through Friday.
• Medical and dental insurance with no copay.
• Life insurance.
• Medication assistance and support for physical activities.
• Financial wellness support.
• Four free monthly therapy or nutritionist sessions.
• Flexible food allowance through a Visa card.
• Childcare assistance and parental support program.
• Extended maternity and paternity leave.
• Home office allowance and work equipment.
• Furniture allowance for remote work.
• Access to coworking spaces across Brazil.
• Training platform and professional development opportunities.
• Education assistance covering 70% of undergraduate and language tuition, as well as courses and books.
• Birthday Day Off and Happy Hour allowance.
• Referral bonuses and annual goal-based bonuses.
• Stock Options plan.
• Collaborative work environment with flexibility and no dress code.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether?    Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.     #LI-CL1