Credit Data Science Specialist

We are hiring a Credit Data Science Specialist in our Financial Solutions (New Initiatives) area in Brazil! This is a Remote – Brazil position, meaning you can work from anywhere within the country. We are looking for a hands-on person with solid credit knowledge to join the Credit and Collections team. The Data Scientist will work in partnership with data engineers to build a data lake that is useful for modeling and for generating credit and collections policies. This person will be able to move from raw data to proposing rich variable books and features for the business - turning information into strategic advantage. Among their main responsibilities, this person will create, implement, and monitor predictive models, as well as develop a cockpit of operational and managerial indicators to track the health and performance of the Credit and Collections Operation.

Responsibilities

Develop and monitor Credit Scoring and Churn models by leveraging transactional data from the Wellhub platform, including the calculation of revenue trends using linear regression and 99% confidence intervals; Implement Generative AI and advanced algorithms to automate the credit analysis process, ensuring scalability while maintaining strict compliance with eligibility criteria and internal validation rules; Conduct quantitative studies and backtesting on portfolio behavior (Vintages, Roll Rates) to optimize credit limits, interest rate pricing, and proactive retention strategies; Analyze debt recovery performance and build propensity-to-pay models to segment the external collection strategy, including the financial feasibility analysis for judicial actions; Design real-time dashboards to track critical KPIs such as First Payment Default (FPD), Provision for Doubtful Accounts (PDD), and the effectiveness of debt renegotiations; Live the mission by inspiring and empowering others through genuine care for your own wellbeing and your colleagues

Requirements

Bachelor’s degree in Statistics, Engineering, Economics, Mathematics, or Computer Science; Experience in Python, applying regression and classification algorithms to financial forecasting; Openness to working with a variety of AI tools to drive efficiency gains in data analysis and KPI generation; Knowledge of credit lifecycles, including FPD (First Payment Default), Vintages, and SCR/Serasa data analysis; Proven ability to manage complex calculations, in addition to predictive modeling using statistical and machine learning concepts; Experience building propensity-to-pay models and conducting financial feasibility analysis for judicial versus extrajudicial collection; Mastery of SQL for extracting insights from large-scale transactional datasets and managing internal/external validation databases; Prior experience in regression and classification algorithms for financial forecasting and data visualization; Strong understanding of credit lifecycle metrics, including FPD (First Payment Default), Vintages, and SCR/Serasa; Experience managing complex calculations and developing predictive models using statistical and machine learning techniques

Nice to have

Business English; proficiency in English

Benefits

Flexible benefits program; WELLHUB free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources; Add up to three family members to your WELLHUB plan; WELLZ emotional wellbeing program with individual therapy sessions (52 per year) and on-demand content; Health, dental, and life insurance; Flexible work with hybrid and remote options; Home office reimbursement; Flexible schedule; Paid time off after 6 months plus additional days off per year and birthday holiday; 100% paid parental leave; Career growth opportunities; Supportive culture