• Building and refining credit scoring models that assess customer creditworthiness, default risk, and loan pricing across multiple markets • Developing and testing ML models for loan eligibility and pricing optimisation through A/B testing and statistical analysis • Continuously improving eligibility criteria by analysing repayment data, engineering new features, and monitoring credit performance for risk shifts and margin impact • Collaborating cross-functionally with engineers, data scientists, and commercial stakeholders to scale models into production

Come Make an Impact on Millions of Brazilians! At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs. We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market. Our goal? Deliver the best payment experience in Brazil for people and small businesses alike. We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible. If you’re ready to do your best work, at scale, with purpose — this is your place. Position Overview Do you want to challenge the limits of data science in a high-impact, growing environment? At RecargaPay, we are looking for a Specialist Data Scientist to join our Data Science team, with the mission of supporting the development, monitoring, and evolution of credit models and decision strategies. As a Specialist Data Scientist, you will be responsible for leading the development and implementation of advanced machine learning models and analytical solutions to solve complex credit and transaction risk challenges. You will be part of the Data Science team, focusing on technical leadership, mentoring, and the adoption of new technologies. Key Responsibilities - Develop and implement real-time scoring models to quantify the risk level of transactions and credit operations. - Build predictive models using internal and third-party data to optimize user onboarding and reduce losses. - Evolve static rule engines into dynamic, graph-based ones, enabling more intelligent and adaptable rule management. - Lead the adoption of new technologies like Databricks and Data Catalogue, advocating for best practices and facilitating a transition to a more modern and efficient data environment. - Analyze large volumes of transactional, user behavior, and demographic data to identify patterns, trends, and opportunities for improvement in risk assessment. - Develop and implement fingerprinting and geographic tracking solutions to improve risk assessment. - Guide and mentor team members, sharing your experience and knowledge, and leading key projects from a technical perspective. - Monitor and analyze the performance of credit models, focusing on their stability and accuracy.

• Setting up and deploying data processing pipelines, such as data reception (batch or real-time), data cleaning, information extraction, and calibration of fraud detection models. • Collaborating with clients to understand their needs and incorporating their feedback to enhance our solutions. • Conducting R&D to drive product innovation (machine learning, NLP, image analysis, trend analysis, chatbots, etc.). • Supporting the sales team by participating in prospect demos. • Partnering in an entire Data Science product lifecycle : Understand how sales, legal, product, engineering are connected together to deliver an AI product to clients.

Paired is a global recruiting agency that pairs remote work with top-tier talent. We help individuals from around the world connect with great companies that are looking for their specific skill set. Our mission is to provide great jobs to talented people, no matter where they are located. About Our Clients This position is ideal for someone who wants to grow from a senior analytics role into a broader data leadership position, working directly with executives while still remaining deeply connected to the analytics work that drives real business outcomes. Our client is a growing direct-to-consumer e-commerce brand focused on delivering high-quality products and exceptional customer experiences. As the business continues to scale, the team is looking for a Leaders in Data to help drive data-informed decision making across marketing, product, retention, finance, supply chain, and customer experience. This role goes beyond building dashboards or running reports. You will help establish the data foundations that guide company strategy; creating a single source of truth, defining the metrics that matter, and turning data into predictive insights that allow teams to operate proactively rather than reactively. This is a high-impact role for someone who wants to grow into a true data leadership position while remaining hands-on with analytics. Responsibilities - Growth & Marketing Analytics - Analyze CAC, LTV, conversion rates, retention, and campaign performance - Identify inefficiencies and recommend budget reallocation - Support marketing experiments (A/B testing, channel optimization) - Data & Reporting - Build and maintain dashboards (Power BI, Tableau, Looker, etc.) - Translate business questions into structured analysis - Automate recurring reporting and reduce manual work - Insights → Action - Move beyond reporting into clear recommendations - Highlight risks, opportunities, and performance drivers - Support leadership with weekly/monthly performance insights - Work with data to: - Clean and structure data - Align KPI definitions - Maintain a consistent reporting logic