**About Bradesco** Bradesco is one of Brazil’s largest financial groups, with a history marked by pioneering spirit and innovation. Through our broad and diversified portfolio of financial products, banking services, and insurance solutions, we contribute to people’s 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? The team’s mission is to define the criteria for granting Credit Cards, Special Checking Account Overdrafts, and Personal Loans—as well as determining appropriate initial credit limits—in order to ensure customer satisfaction without compromising the quality and profitability of the bank’s and its shareholders’ portfolio. Work model: Hybrid – 2 days onsite Unit: Osasco/SP **What will your day-to-day look like?** As a Data Scientist III – Credit Policies, you will work within the CAMPANHAS PJ SP Management unit, and your main responsibilities will include: * Supporting data analysis for credit-granting decisions on products such as credit cards, special checking account overdrafts, and personal loans, targeting digital customers with income up to R$8,000; * Contributing to the development and validation of predictive models (e.g., churn, scoring, payment capacity), using tools such as SAS, Teradata, Hive, and Databricks; * Participating in structuring databases and registration processes for pre-approved customers and current account holders, ensuring data consistency and quality; * Collaborating with multidisciplinary squads on testing offers, segmentation strategies, and credit policies, with a focus on performance and business impact; **Requirements and Qualifications** What do you need to have or know? * Completed undergraduate degree in Information Technology, Engineering, or related fields; * Experience developing policies for Mass Credit Granting or Maintenance of Credit Limits; * Experience preparing reports and managerial/executive dashboards; * Experience in the Personal or Corporate Credit Card business; * Advanced technical knowledge of Python, SAS, SQL, Databricks, and Microsoft Office; * Advanced knowledge of BI tools (Tableau, MicroStrategy, or Power BI). It will be an advantage if you have: * Knowledge of credit card, special checking account overdraft, and installment loan products. **What We Offer** At Bradesco, we value health and well-being, offering an extensive portfolio of benefits to all our employees: * Profit Sharing Plan (PLR) or Bonus: Based on position eligibility* * Health Insurance * Dental Insurance * Life Insurance * Food Allowance * Meal Voucher * 13th Food Basket * Total Pass * Commuter Benefit (optional enrollment) * Discounts on products and services offered by partner companies * Private Pension Plan (optional enrollment, with financial contribution from Bradesco Organization) * Bradesco Well-Being Program: health, well-being, and quality-of-life initiative * Unibrad: Bradesco Corporate University * Fee Waivers: special conditions across various products and services * Daycare or Nanny Assistance * Extended Paternity Leave of 20 days * Maternity Leave of 180 days, including pregnancy support through postpartum