Senior Data Scientist at Credix

On-site - São Paulo, SP

Apply

We’re looking for a Senior Data Scientist to join our Risk & Collections team. You’ll operate with high autonomy, own critical problem areas, and deliver value that moves the needle - from credit performance to capital efficiency. This isn’t a research role. You’ll work side‑by‑side with engineering, product, and operations to deploy models, run experiments, and improve the core systems that decide: Who gets funded, How and when we collect, Where we allocate risk capital. You’ll report to the Head of Risk and collaborate closely with our data science and engineering team. You’ll work across the entire risk lifecycle - from first impression to final repayment - applying data science to maximize portfolio performance and capital efficiency. Your focus: deliver models and systems that make better decisions, earlier.

Requirements

Experience

  • 5+ years of experience applying data science to business-critical problems.

Skills

  • SQL
  • Python
  • Machine Learning
  • Model deployment
  • Versioning
  • Validation
  • Post-deployment monitoring
  • Embedding logic
  • Business economics
  • Uplift modeling
  • Time Series
  • Embeddings
  • NLP

Languages

  • Portuguese
  • English

Responsibilities

  • Model borrower risk: Build and refine probability-of-default (PD) and loss-given-default (LGD) models to inform underwriting and exposure sizing.
  • Detect and prevent fraud: Develop fraud signals and real-time scoring logic to flag suspicious behaviors - from application spoofing to behavioral anomalies post-purchase.
  • Prioritize recovery actions: Predict repayment propensity and optimize collections targeting - so we know who to contact, how, and when.
  • Design experiments: Run tests across channels, messages, and strategies - not for learning’s sake, but to improve recovery, reduce loss, or increase throughput.
  • Deploy your work: Work closely with engineering to embed models and logic into our core credit and collections systems.
  • Create leverage: Equip the Risk, Credit, and Ops teams with tools, insights, and automation that scale smarter decisions.

Technologies

SQLPythonMachine LearningClassificationUplift modelingTime SeriesEmbeddingsNLP

Share job

See if your resume is ready for this job

See how our AI can optimize your resume and improve your chances for this role.