Data Scientist Specialist (Lending)
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.