Job Summary: Pagaleve is seeking a top-tier Machine Learning expert to lead its model platform, serving as both a technical reference and cross-team liaison to apply innovations in credit, fraud, and user behavior. Key Highlights: 1. Lead the model platform and serve as the technical reference in Data Science. 2. Research and implement cutting-edge ML techniques with real business impact. 3. Act as a bridge between Data Science, Engineering, and other teams. Pagaleve operates in the ***“Buy Now Pay Later”*** sector — an innovative **fintech startup**, and one of the first companies to offer interest-free installment payments via PIX without requiring a credit card. Our goal is to provide merchants with a new payment method to increase sales in a simple, straightforward, and agile way; at the same time, we aim to empower consumers to purchase what they want without incurring high credit card interest rates. **Responsibilities and Duties** This is a high-level **technical role** for someone who wants to go beyond building models. We seek a candidate passionate about pushing the boundaries of what’s possible with ML and bringing the latest innovations into production. You will be responsible for our model platform, serve as the technical reference for the Data Science team, and act as the bridge between Data Science, Engineering, and other Pagaleve teams. If you’re excited about foundational models, Graph Neural Networks, and state-of-the-art AutoML — and want to apply these technologies to real-world, challenging problems in credit, fraud, and user behavior — this role is for you. **Responsibilities** * Research, evaluate, and implement cutting-edge techniques and technologies — including foundational models, Graph Neural Networks, and AutoML — bringing state-of-the-art capabilities to real-world applications with tangible business impact. * Serve as the technical owner of Pagaleve’s model platform: ensure robust pipelines, appropriate monitoring, and high-quality model performance in production. * Develop and maintain highly complex models in credit, risk, fraud, and user behavior — from development through production operations. * Serve as the technical reference for the Data Science team: lead design reviews, code reviews, and support fellow data scientists on the most technically challenging decisions. * Act as a bridge between Data Science, Engineering, and other Pagaleve teams — participate in architecture decisions and ensure models integrate seamlessly with company systems and processes. * Clearly communicate technical decisions and tradeoffs to both technical and business audiences. **Requirements and Qualifications** **What We’re Looking For** * Genuine curiosity about the state of the art in ML — and a track record of implementing those ideas. * 5+ years deploying machine learning models in production, preferably in credit, risk, or fraud domains. * Solid experience with model platforms and MLOps: training and deployment pipelines, feature stores, monitoring, and drift detection. * Mastery of ML fundamentals: gradient boosting, neural networks, feature engineering, explainability, and bias-variance tradeoffs. * Ability to serve as a technical reference and elevate the team — reviewing work, identifying flaws in approach, and proposing alternatives. * Skill in collaborating across multidisciplinary teams, translating business needs into technical solutions and vice versa. * Advanced proficiency in Python and sound software engineering practices. **You’ll Stand Out If You Have** * Familiarity with advanced techniques such as foundational models, AutoGluon, Graph Neural Networks, or GraphGPS applied to real problems. * Experience managing and evolving production model platforms with a focus on scalability and reliability. * Experience with credit scoring, PD/LGD modeling, risk pricing, or anti-fraud in fintechs or financial institutions. * Experience with MLOps tools: Airflow, MLflow, Feast, or similar. * Master’s or PhD in a quantitative field. * Fluent/advanced English. **Why Pagaleve?** * Space and encouragement to explore the state of the art — from foundational models to novel architectures — and implement them in production. * Truly challenging problems: credit, fraud, user behavior, and high-volume data from day one. * Ownership of the model platform with real autonomy to evolve it following industry best practices. * Direct interface with Engineering, Product, and other areas, delivering real impact on business decisions. **Additional Information** * Competitive compensation; * For your well-being and that of your family, we offer health insurance covering 100% of the primary insured and 75% for the first dependent; * Dental insurance; * Monthly discount voucher for stores accepting Pix Parcelado; * Birthday day off; * iFood Benefits; * Gympass; * Group Life Insurance; * Flexible work model. Thank you for your interest in joining Pagaleve. Our recruitment processes are fully remote. We hope you’re well, healthy, and safe. Pagaleve is a “Buy Now Pay Later” company. We are one of the first companies to offer installment payments via PIX, interest-free, and without requiring a credit card. Our goal is to offer merchants a new payment method to increase their sales in a simple, straightforward, and agile way; at the same time, we aim to offer people the opportunity to buy what they want without committing to high credit card interest rates. Purpose Democratize access to installment payments and transactions, freeing consumers and retailers from the traditional financial system through innovative technology and a light, healthy financial relationship. Vision Become the synonym for installment payments for millions of consumers and the retailers’ preferred partner across Latin America.