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RecargaPay logo
RecargaPay

Nossa missão é democratizar os meios de pagamentos pelo celular por meio de um serviço inovador, econômico e seguro.

Data Scientist Specialist – Lending

Data ScientistData ScientistFull TimeRemoteSeniorTeam 201-500Since 2010H1B No SponsorCompany SiteLinkedIn

Location

Brazil

Posted

49 days ago

Salary

0

Seniority

Senior

Job Description

Data Scientist Specialist – Lending

RecargaPay

• 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.

Job Requirements

  • Programming and Tools: Proficiency in Python, SQL, and Spark. Experience with libraries such as Pandas, NumPy, Matplotlib, and Scikit-learn. Familiarity with platforms like Databricks, AWS, and Azure. Experience with Git for version control and collaboration.
  • Analytical Modeling & Machine Learning: Demonstrated experience in building and implementing machine learning models. Deep knowledge of classification, regression, and clustering algorithms, as well as feature engineering and model selection techniques. Experience with model explanation techniques like SHAP, bivariate analysis, and weight of evidence.
  • Data Analysis: Ability to handle large datasets and write efficient, optimized SQL queries. Experience with exploratory data analysis and evaluating model features.
  • Statistical Knowledge: Strong understanding of A/B testing and statistics, including experimental design and statistical significance. Basic knowledge of predictive modeling metrics like AUC, KS, precision, and recall.
  • Other Skills: Knowledge of data modeling principles and experience building robust and scalable data models. An analytical mindset with a strong focus on problem-solving. Strong mathematical skills with the ability to optimize complex problems.
  • Problem-Solving Orientation: The ability to research existing solutions in other contexts and adapt them to the specific problem you are working on.
  • Innovative Thinking: Applying theoretical knowledge of statistics, economics, and behavioral finance to optimize proposed solutions.
  • Communication: Ability to translate complex technical findings into actionable business insights and communicate them clearly to both technical and non-technical audiences.
  • Collaboration: Willingness to work in a collaborative and dynamic environment.
  • Bonus Points
  • Proficiency with PySpark for distributed data processing in large-scale environments.
  • Experience with MLOps in machine learning projects.
  • Familiarity with model monitoring in production environments.
  • Exposure to Open Finance, credit bureau data, or behavioral features.
  • Previous experience in fintechs or financial services companies.

Benefits

  • Competitive and market-aligned salary.
  • Remote work — wherever you are, you’re part of the team!
  • Home office allowance through a monthly deposit in the RecargaPay app.
  • Health and dental plans with no co-pay.
  • Life insurance.
  • Flexible meal allowance (via Flash).
  • TotalPass membership to take care of your health.

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