Job Summary: Bradesco is seeking a Data Scientist Specialist to work on wholesale portfolio management, developing machine learning models for monitoring, forecasting, and mitigating credit risk. Key Highlights: 1. Impact the experience of millions of people within a financial ecosystem 2. Develop and apply machine learning models for credit risk management 3. Build strategic solutions for capital allocation and risk mitigation **About Bradesco** Bradesco is one of Brazil’s largest financial groups, with a history marked by pioneering spirit and innovation. Through our broadly diversified portfolio of financial products, banking services, and insurance offerings, we contribute to individuals’ aspirations and the sustainable growth of businesses and society. Join our financial ecosystem and impact the experience of millions of people! At Bradesco, we value diversity in all its forms. Therefore, our job openings are open to all individuals, regardless of gender, race, sexual orientation, disability, age, or any other characteristic. Learn more at https://banco.bradesco/html/classic/sobre/index.shtm **Responsibilities and Duties** What is our Credit Team? Our mission is to ensure efficient management of credit granting and maintenance, guaranteeing profitability and solid growth of the Organization’s assets. The Wholesale Portfolio Management area is expanding, and we are looking for professionals to help us build solutions supporting strategic decisions regarding capital allocation and risk mitigation. Work model: Hybrid – 2 days onsite Location: Osasco/SP or Curitiba/PR **What will your day-to-day look like?** As a Data Scientist Specialist, you will work within the Wholesale Portfolio Management division, and your main responsibilities will include: * Developing and applying machine learning models for monitoring and forecasting portfolio performance, as well as anticipating probable losses, delinquency, and credit deterioration; * Portfolio clustering to identify risk patterns, behavioral trends, and action opportunities; * Building and maintaining intelligent early-warning signals for continuous credit risk monitoring, enabling proactive risk mitigation actions; * Conducting exploratory and diagnostic analyses on portfolio behavior, customer segmentation, and financial product performance; * Supporting data-driven credit strategy definition, contributing to decisions related to credit granting, renewal, and recovery; * Participating in innovation and continuous improvement initiatives, proposing new analytical approaches, methodologies, and technologies applicable to portfolio management; * Developing interactive dashboards and reports for tracking portfolio KPIs using tools such as Power BI, Tableau, or similar. * **Requirements and Qualifications** What do you need to have or know? * Bachelor’s or graduate degree in quantitative fields or disciplines related to Data Science, such as Statistics, Systems Analysis, or Mathematics; * Advanced knowledge of Statistics, including descriptive statistics, data visualization, probability, sampling techniques, and inferential statistics; * Advanced knowledge and hands-on experience developing analytical solutions using Machine Learning (training/validation/test pipelines, supervised and unsupervised algorithms, evaluation metrics) or optimization; * Advanced programming skills in Python/SAS/SQL/Spark, with experience using data science libraries (Pandas, Scikit-learn, Matplotlib, etc.); * Advanced proficiency with Microsoft Office suite (Excel, Word, PowerPoint); * Ability to effectively translate large volumes of data into objective, strategic executive presentations; * Familiarity with cloud platforms (e.g., Azure, GCP, AWS); * Experience working in financial institutions, particularly within portfolio management teams, credit strategy development, or risk mitigation policy creation. It will be a plus if you have: * Graduate degree or MBA (considered advantageous); * Experience in time-series modeling. **What We Offer** At Bradesco, we highly value health and wellbeing, offering an extensive portfolio of benefits to all our employees: * PLR or Bonus: Subject to position eligibility* * Health Insurance * Dental Insurance * Life Insurance * Food Allowance * Meal Voucher * 13th Food Basket * Total Pass * Transportation Voucher (optional enrollment) * Discounts on products and services offered by partner companies * Private Pension Plan (optional enrollment, with financial contribution from Bradesco Organization) * Viva Bem Bradesco: health, wellbeing, and quality-of-life program * Unibrad: Bradesco Corporate University * Fee Waivers: special conditions across various products and services * Daycare or Nanny Assistance * Extended Paternity Leave: 20 days * Maternity Leave: 180 days, including assisted prenatal and postnatal care