Job Summary: PicPay is seeking a Senior Data Scientist for its Credit unit, focused on developing statistical models and analyses to enhance decision-making in a dynamic and collaborative environment. Key Highlights: 1. Developing and maintaining credit risk models 2. Collaborating with engineering and business teams to create data-driven solutions 3. A dynamic environment focused on continuous learning and innovation **About PicPay** With over ten years of history, PicPay is a comprehensive ecosystem of financial and non-financial services designed to meet the daily needs of millions of individuals and businesses, becoming their primary everyday account. Founded in Vitória (ES), the company already serves more than 35 million active customers and belongs to the J&F Group, one of Brazil’s largest corporate conglomerates. The company operates across multiple segments, including Financial Services for Individuals, Financial Services for Businesses, Investments, and PicPay Shop. Guided by our culture, we pursue the purpose of empowering the lives of millions of Brazilians. Learn about our values: Owner Mindset, Discipline, Determination, Availability, Simplicity, Humility, and Frankness. *Respect, ethics, the pursuit of equity, and the appreciation of diversity are non-negotiable principles that are actively practiced in our daily work at PicPay. Therefore, this position is open to all individuals, regardless of gender, religion, ethnicity, disability, age, sexual orientation, or any other factor.* **Learn more about the business unit this role belongs to:** Our **Financial Services** unit for Individuals oversees the ecosystem spanning digital wallet, PIX, PicPay Card, and insurance acquisition. Here, you will contribute to building and developing products and services that simplify the lives of millions of Brazilians and businesses. At PicPay, credit is a tool to empower people, businesses, and opportunities. Our Credit area aims to enable sustainable credit access, balancing customer base growth with robust, intelligent, and data-driven risk management. We seek deep understanding of each customer—assessing their history, financial behavior, repayment capacity, and collateral—to assign appropriate and secure credit limits. By combining technology, analysis, and continuous learning, we continuously improve our models and policies, ensuring responsible and timely decisions. More than just a product, credit for us is a means to build trust and generate positive financial impact in our customers’ lives—with prudence, innovation, and purpose. **About the Role:** We are looking for a **Senior Data Scientist** to join our Credit team. This professional will support the development of statistical models and analytical studies underpinning our Credit BU. They will collaborate closely with engineering and business teams to develop data- and AI-based solutions that enhance decision-making. The environment is dynamic, and we seek someone with strong analytical capability, technical curiosity, and a desire for continuous growth. **Responsibilities and Duties:** Work with raw data to prepare datasets, develop new features, and support the creation of datasets for modeling and analysis; * Support the development and maintenance of credit risk models (individual and corporate) and estimated income/revenue models; * Participate in the full project lifecycle—from problem definition with policy/business teams through model validation and production monitoring; * Execute performance tests and analyses of models, ensuring result quality and consistency; * Conduct analytical studies on customer behavior, delinquency, and credit performance; * Support continuous improvement initiatives for analytical processes and methodologies; * Contribute ideas and best practices regarding coding, documentation, and code versioning; * * Collaborate with the team in an environment of ongoing learning and knowledge sharing. **Requirements and Qualifications:** Contribute ideas and best practices regarding coding, documentation, and code versioning; * * Collaborate with the team in an environment of ongoing learning and knowledge sharing; Previous experience in statistical modeling and machine learning (decision trees, regression, ensemble models, etc.); * Experience in credit analytics (modeling, indicators, strategies, ad hoc studies, etc.); * Proficiency in Python and familiarity with libraries such as pandas, scikit-learn, PySpark, and SQL; * Ability to transform data into insights and present results clearly and coherently; * Strong foundation in statistics and applied mathematics; * * Communication skills and ability to work effectively in teams; **What We Offer:** **Health and Well-being** * Medical and Dental Insurance; * Life Insurance; * “Lado a Lado” Program, offering legal, social, psychological, and financial support; * Wellhub. **Meals/Mobility or Remote Work:** * **PicPay Benefits** credit card, widely accepted, where you receive your meal/food and mobility or remote-work allowance (as per your employment contract). **Parental Leave:** * Extended maternity leave of 6 months, and extended paternity leave of 20 days. * “Novo Ser” Program, supporting our mothers throughout pregnancy and after returning from maternity leave. Speaking of which, upon returning from maternity leave, mothers also receive **Childcare Assistance**, and fathers with sole or shared custody are eligible as well. **Performance Recognition: PPR –** PicPay Profit Sharing Program. #VemserPicpayLover #Picpay #LI-ONSITE #LI-CK1