Cientista de Dados Especialista (Políticas de Crédito)
Core
Senior Data Scientist designing and evolving credit policies across the full customer lifecycle, serving as a technical reference for credit policy strategy.
Role type
Senior IC Data Scientist (Credit Policy & Risk)
Builds
Automated and commercially effective credit strategies, decision frameworks, and scalable policy workflows.
Domain
Financial Services / Credit Risk
Deliverable
production ML models
Required skills
Credit risk strategy design, Machine Learning, A/B testing, Survival analysis, Constrained optimization, Big Data processing, Credit financial metrics (NPL, LTV, vintage analysis), Python/R, Statistical modeling
Preferred skills
Experience in fintechs or credit bureaus, AI/automation integration, Executive communication
Technologies
Python, R, SQL, Spark, Hadoop, TensorFlow, PyTorch, Scikit-learn
Responsibilities
Develop technical playbooks for credit policy simulation and standardize methodologies like A/B testing; Lead design and calibration of credit strategies including dynamic limits and pricing; Apply optimization techniques and scenario simulations to quantify policy impact; Monitor active policies using risk indicators and recommend adjustments; Integrate AI and automation to evolve from rigid policies to dynamic strategies; Act as a strategic partner to Risk, Fraud, and Finance teams.
Seniority
Senior, hands-on IC
