Data Scientist Specialist (Lending)

RecargaPay

Job Overview

Location

Remote

Job Type

Full-time

Full Job Description

📋 Description

• Join RecargaPay, a leading fintech company dedicated to revolutionizing financial services for millions of Brazilians, and play a pivotal role in shaping the future of lending.
• As a Data Scientist Specialist (Lending), you will be at the forefront of developing and implementing advanced data-driven strategies to enhance our lending products, mitigate risk, and drive business growth.
• This is a unique opportunity to leverage your expertise in statistical modeling, machine learning, and data analysis within a dynamic and fast-paced environment, directly impacting the financial inclusion and empowerment of a vast user base.
• You will collaborate closely with cross-functional teams, including product managers, engineers, and business analysts, to translate complex data insights into actionable strategies and innovative solutions.
• Your primary focus will be on the lending domain, where you will tackle challenges related to credit scoring, fraud detection, customer segmentation for lending products, and the optimization of loan performance.
• Dive deep into vast datasets to uncover patterns, trends, and anomalies that inform critical business decisions and product development.
• Design, build, and deploy sophisticated machine learning models for credit risk assessment, predicting default probabilities, and identifying opportunities for personalized lending offers.
• Develop and maintain robust data pipelines and analytical frameworks to support ongoing monitoring and evaluation of lending portfolio performance.
• Conduct rigorous A/B testing and experimental design to validate hypotheses and measure the impact of new features and strategies on lending outcomes.
• Proactively identify areas for improvement in existing models and processes, proposing and implementing innovative solutions.
• Stay abreast of the latest advancements in data science, machine learning, and fintech, bringing cutting-edge techniques and methodologies to RecargaPay.
• Communicate complex analytical findings and recommendations clearly and concisely to both technical and non-technical stakeholders through compelling visualizations and presentations.
• Contribute to the development of a data-centric culture within the organization, mentoring junior team members and sharing best practices.
• You will be instrumental in building and refining the algorithms that power our lending decisions, ensuring fairness, accuracy, and efficiency.
• This role requires a deep understanding of the lending lifecycle, from acquisition and underwriting to portfolio management and collections.
• You will analyze customer behavior, transaction history, and external data sources to build predictive models that assess creditworthiness and identify potential risks.
• The insights you generate will directly influence product strategy, risk appetite, and operational efficiency within our lending business.
• You will have the autonomy to explore novel data sources and analytical approaches to solve challenging problems.
• Work with large-scale datasets, ensuring data quality, integrity, and accessibility for analytical purposes.
• Develop and implement strategies for anomaly detection and fraud prevention within the lending ecosystem.
• Contribute to the design and evaluation of new lending products and features, ensuring they are data-informed and aligned with business objectives.
• You will be a key player in driving the continuous improvement of our data science capabilities, fostering innovation and excellence.
• This position offers a significant opportunity for professional growth and development, working with a talented team on impactful projects.
• Your work will directly contribute to RecargaPay's mission of providing accessible and affordable financial services to a broad segment of the Brazilian population.
• Embrace a culture of experimentation and learning, where data is at the heart of every decision.
• You will be empowered to take ownership of your projects and drive them from conception to deployment.
• The ability to translate business needs into data science problems and vice versa is crucial for success in this role.
• You will be part of a collaborative and supportive team environment, where knowledge sharing and continuous learning are highly valued.
• This role is ideal for a proactive and results-oriented individual who is passionate about using data to solve real-world problems and make a tangible difference.
• You will have the opportunity to work with state-of-the-art tools and technologies in the data science and machine learning space.
• Contribute to the ethical considerations and responsible use of data in lending decisions.
• Your analytical rigor and problem-solving skills will be essential in navigating the complexities of the fintech lending landscape.
• This is more than just a job; it's a chance to be part of a movement that is transforming financial access in Brazil.

🎯 Requirements

• Proven experience as a Data Scientist, with a strong focus on the lending or credit risk domain.
• Proficiency in programming languages such as Python or R, including relevant data science libraries (e.g., Pandas, NumPy, Scikit-learn, TensorFlow, PyTorch).
• Solid understanding of statistical modeling, machine learning algorithms (e.g., regression, classification, clustering, time series analysis), and their practical applications.
• Experience with SQL and working with relational databases; familiarity with big data technologies (e.g., Spark, Hadoop) is a plus.
• Strong analytical and problem-solving skills, with the ability to translate complex data into actionable insights.
• Excellent communication and presentation skills, with the ability to explain technical concepts to non-technical audiences.
• Bachelor's or Master's degree in a quantitative field such as Computer Science, Statistics, Mathematics, Economics, or a related discipline.

🏖️ Benefits

• Competitive salary and performance-based bonuses.
• Comprehensive health and dental insurance plans.
• Generous paid time off and holidays.
• Opportunities for professional development and continuous learning, including access to online courses and conferences.
• Remote work flexibility, allowing you to work from anywhere.
• Be part of a fast-growing and innovative fintech company with a strong social mission.
• Access to cutting-edge technology and tools.
• Collaborative and dynamic work environment with a talented and passionate team.

Skills & Technologies

Data Science

Remote

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RecargaPay

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About RecargaPay

RecargaPay is a leading Brazilian fintech company that offers a comprehensive digital wallet and payment platform. It empowers users to manage their finances, make payments, and access financial services through a mobile app. The platform facilitates bill payments, mobile top-ups, peer-to-peer transfers, and purchases from a wide network of merchants. RecargaPay aims to democratize financial services in Brazil, providing accessible and convenient solutions for everyday transactions and financial management, particularly for the unbanked and underbanked population. Their business model focuses on transaction fees, merchant services, and value-added financial products.

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