The Regulatory Models area is responsible for developing expected credit loss models for Porto Bank's products (Credit Cards, Loans, Financing, and Consortium), both under IFRS and BR-GAAP standards, in compliance with current regulations and internal policies. **Responsibilities and Duties** * Develop, document, and assess the impact of expected loss models, including PD, EAD, LGD, and Forward-Looking models; * Development of predictive models, such as Machine Learning; * Support the area responsible for independent model validation; * Support external audits on topics related to models; * Continuous improvement of credit loss provisioning models, applying appropriate statistical techniques and business concepts, aiming to ensure models with strong fit and compliance with current regulatory requirements. **Requirements and Qualifications** * Bachelor’s degree in exact sciences (Statistics, Mathematics, Economics, or related fields) (postgraduate degree preferred); * Solid expertise in statistical modeling, including regression models, generalized linear models, machine learning, decision trees, and time series; * Proficiency in programming languages (Python, SQL, R); * Knowledge of current regulations governing credit loss measurement (IFRS, CMN Resolution 4966), as well as accounting principles, is desirable; * Excellent logical and quantitative reasoning skills. **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance Plan;** **Dental Insurance Plan;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** located at the Head Office Complex; **Profit-Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Sand Courts and Multipurpose Sports Courts:** located at the Head Office Complex; **Commuter Pass Allowance;** **Van Transportation Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave:** 6 months; **Medical Outpatient Clinic with Specialties:** located at the Head Office Complex and Barra Funda; **Childcare or Nanny Allowance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Tuition Reimbursement Program:** reimbursement for undergraduate, postgraduate, or MBA studies; **Monthly Running Events:** subsidy for major street races in São Paulo; **Language Course Reimbursement (English or Spanish);** **Porto Theater:** exclusive screenings for Employees; **Library;** **Rest Room:** located at the Head Office Complex; **Game Room:** located at the Head Office Complex; **Massage and Podiatry Services:** located at the Head Office Complex; **Work Location:** On-site (We operate hybrid work models, which will be discussed during the selection process); Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to create solutions across four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. The reputation and recognition earned over more than seven decades underscore Porto’s scale — a reference company in business, built by and for people. Here, 13,000 employees proudly wear their hearts on their sleeves — **proud to be part of a solid, ethical organization that transforms dreams into fantastic realities** for our more than 15.8 million customers. We operate through over 101 branches and regional offices across Brazil. Learning is embedded in our DNA, and here you’ll find **incentives, tools, and great people to help you learn and grow every day**, in an inclusive, safe environment where everyone can truly be themselves and take pride in who they are — fostering respect and enabling holistic, well-being-oriented living within a genuinely human company. **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe that a plural team is essential to the development of our entire business, society, and each individual — because we understand that every person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space, with greater plurality and respect. Therefore, **we strongly encourage applications from women, Black and Indigenous people, people with disabilities, and LGBTQIA+ individuals** for all our job openings.