Senior Data Science Analyst

Jobtailor; São Paulo; Presencial; BRL 180 000 - 300 000; Tempo integral

Resumo da oferta

Jobtailor in São Paulo, Brazil is seeking a senior data scientist specialized in credit risk to develop, deploy, validate and monitor predictive models for origination, recovery, and offers. You will use Python, SQL and SAS to turn data into risk insights and compete with evolving AI methods on cloud platforms.

The role requires evaluating new data sources, backtesting bureau scores, and modeling techniques, with a focus on portfolio profitability and impact analyses for policy decisions across

Qualificações

• Experience developing predictive models for credit origination and portfolio management, credit recovery, or propensity to accept offers and complete purchases.
• Experience with programming languages such as Python, SQL, and SAS.
• Experience conducting feasibility studies and analyzing the financial impact of initiatives, policies, and strategies.
• Knowledge of advanced predictive modeling techniques, including Machine Learning and Deep Learning, is a plus.
• Experience with cloud computing platforms, such as AWS or GCP, is a plus.
• Knowledge of the dynamics of financial products, including revolving credit, installment products, and insurance, is a plus.

Responsabilidades

• Develop, deploy, validate, and monitor predictive models for credit risk forecasting.
• Assess self-cure, collections roll rates, and propensity to accept product offers.
• Identify new information sources and data for model improvement.
• Backtest, validate, and customize scores and attributes from credit bureaus.
• Evaluate feasibility and impact of credit initiatives on performance.

Conhecimentos

Predictive Modeling

Python Programming

SQL Proficiency

Feasibility Studies

Machine Learning

Deep Learning

Cloud Computing

Ferramentas

AWS

GCP

SAS

Descrição da oferta de emprego

• Develop, deploy, validate, and monitor statistical models for credit risk forecasting, voluntary recovery of delinquent customers (self-cure), collections roll rates (Collections Score), and propensity to accept product offers.
• Identify and evaluate new information sources, including macroeconomic time series, news bulletins, interactions with mobile devices and digital channels, and customer service voice data.
• Identify and evaluate new systems and analytical solutions for developing, configuring, and monitoring predictive models.
• Conduct backtesting, validation, and customization of scores and attributes provided by credit bureaus, including scores, negative credit information, positive credit data, and Open Finance data.
• Conduct feasibility studies and assess the impact of credit initiatives, considering credit performance and portfolio profitability.

Requirements

• Experience developing predictive models for credit origination and portfolio management, credit recovery, or propensity to accept offers and complete purchases.
• Experience with programming languages such as Python, SQL, and SAS.
• Experience conducting feasibility studies and analyzing the financial impact of initiatives, policies, and strategies.
• Knowledge of advanced predictive modeling techniques, including Machine Learning and Deep Learning, is a plus.
• Experience with cloud computing platforms, such as AWS or GCP, is a plus.
• Knowledge of the dynamics of financial products, including revolving credit, installment products, and insurance, is a plus.

Core Competencies

Demonstrates expertise in developing and validating predictive models for credit risk forecasting and portfolio management, utilizing programming languages such as Python, SQL, and SAS. Proficient in conducting feasibility studies and analyzing the financial impact of credit initiatives while leveraging advanced modeling techniques and cloud computing platforms.

Highest-signal resume keywords

• Predictive Model Development
• Python Programming
• SQL Proficiency
• Feasibility Studies
• Machine Learning

ATS Optimization Keywords

Hard Skills

• Predictive Modeling
• Statistical Analysis
• Backtesting
• Model Validation
• Data Analysis

Industry Keywords

• Credit Risk
• Collections
• Financial Products
• Portfolio Management
• Open Finance

Tools & Technologies

• AWS
• GCP
• SAS