Data Science Manager

Description

Job Summary: Bradesco is seeking a Data Science Manager to lead the Indicators Projection & PDD team, acting strategically and tactically in credit portfolio management. Key Highlights: 1. Strategic and tactical execution in credit portfolio management 2. Continuous monitoring of credit portfolio performance 3. Implementation of early warning indicators **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 to 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 Portfolio Management team? The Portfolio Management area acts strategically and tactically in credit portfolio management, ensuring the financial health of operations, balancing risk and return, and sustaining business viability throughout the entire credit lifecycle — origination, maintenance, and collections. Work model: Hybrid — 2 days onsite Unit: Osasco/SP **What will your day-to-day look like?** As a Data Science Manager, you will lead the **Indicators Projection & PDD** team, with the following key responsibilities: * Continuously monitor credit portfolio performance across the full credit lifecycle (origination, maintenance, and collections); * Track key indicators such as delinquency, arrears, expected loss, provisions, roll rates, recoveries, vintage performance, concentration, and profitability; * Propose and monitor rapid, effective action plans; * Conduct financial health analyses of portfolios by product, segment, channel, and customer profile; * Implement early warning indicators to identify deterioration in credit quality before delinquency materializes; * Ensure clear, analytical, and actionable interpretations of results to support decision-making. **Requirements and Qualifications** What do you need to have or know? * Bachelor’s degree in Statistics, Economics, Mathematics, Engineering, or related fields; * Advanced programming proficiency in SQL, SAS, Python, and Databricks; * Solid understanding of the credit lifecycle and banking products; * Proficiency in credit indicators, performance analysis, and portfolio monitoring; * Experience working with databases, managerial reporting, and analytical tools (e.g., SQL, Advanced Excel, BI); * Leadership experience managing high-performance teams. It will be a plus if you have: * Credit and risk portfolio management experience; * Experience developing early warning strategies; * Experience operating in highly regulated environments with strong governance. **What We Offer** At Bradesco, we value health and well-being, offering an extensive portfolio of benefits to all our employees: * Profit Sharing (PLR) or Bonus: Subject to role 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, well-being, and quality-of-life program * Unibrad: Bradesco Corporate University * Fee Waivers: special conditions across various products and services * Daycare or Babysitter Assistance * Extended Paternity Leave of 20 days * Maternity Leave of 180 days, including gestational and postpartum care support