Job Summary: Develop, implement, and monitor statistical models for pricing credit products, conduct studies and analyses to refine strategies, and collaborate across multiple departments. Key Highlights: 1. Incorporate a data-driven culture into credit pricing 2. Develop and implement advanced statistical models 3. Continuously collaborate with various departments and cooperatives Joining the Credit Pricing Data Team means embedding a data-driven culture into your daily work. Your main responsibilities will include developing, implementing, and monitoring statistical models that support the pricing of Sicredi’s credit products. These include cost models (break-even rate) and price-demand elasticity models. You will also conduct studies and analyses to propose the creation or refinement of credit pricing strategies, identifying model improvements or suggesting pricing strategies. We maintain continuous contact with other departments and Credit Cooperatives, as our deliverables are jointly coordinated and this topic requires information sharing and alignment across multiple teams—including Credit Origination, Credit Recovery, Corporate Finance, Treasury, and Credit Risk. Therefore, topics and working groups may vary over time. **Responsibilities and Duties** * Develop new credit pricing models, considering Sicredi’s diverse customer segments, strategies, assumptions, and products; * Implement models developed by the Credit Pricing team together with the Product team; * Monitor, review, recalculate, and recalibrate models as needed; * Propose methodological and automation improvements to cost and elasticity models; * Conduct studies and develop new proposals related to credit pricing, understanding member profiles, products, and stages of the credit lifecycle, delivering insights to inform credit strategy or new deliverables, and presenting them to relevant stakeholders; * Collaborate with various product teams, supporting data/information analysis and providing new analytical perspectives; * Interact with different data process roles (analysts, engineers, scientists, and business analysts); * Maintain necessary documentation for your deliverables; * Continuously advance your technical skills by engaging with other Credit Lifecycle Data Scientists—learning and teaching; * Present models to Credit Cooperatives and other CAS departments, highlighting usage impacts. **Requirements and Qualifications** * Bachelor’s degree in a quantitative field such as Statistics, Mathematics, Economics, Accounting, Actuarial Science, Engineering, or related disciplines; * Experience in Statistical Modeling applied to the credit market; * Strong writing, synthesis, presentation, and communication skills, adapting language appropriately for each audience; * Proficiency in programming languages such as Python, Spark, SQL, SAS; * Practical experience in data analysis, indicator monitoring, and ad-hoc study development; * Knowledge and experience in the Credit market; * Knowledge of Finance; * Intermediate English (desirable); * Experience in Pricing (a differentiator). **Additional Information** **\*THIS FIELD IS EXCLUSIVELY FOR PEOPLE MANAGEMENT PROFESSIONALS\*** ----------------------------------------------------------------------------- At the **Sicredi Administrative Center (CAS)**, for business-area positions we adopt a hybrid work format consolidated as 3 days onsite at the company headquarters located at Av. Assis Brasil, 3940, São Sebastião, Porto Alegre/RS, and 2 days remote. For Tech-area positions, we adopt a fully remote work format. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ At **Sicredi**, you’ll enjoy: 13th and 14th fixed salaries; Profit Sharing (based on seniority); Health and Dental Plans with no co-payment; Well-being Programs via Wellhub (formerly Gympass), Nutrition, Psychology, Occupational Health, Massage, Running Groups, and Local Gym; Meal Allowance and Food Voucher—with flexible % allocation across VA/VR cards and no co-payment; Extended Maternity and Paternity Leave; Childcare or Babysitter Assistance for children up to 6 years and 11 months old; Assistance for children with disabilities—no age limit; Life Insurance; Private Pension Plan covering up to 7% of salary; Training Platform – Sicredi Aprende, offering numerous courses; 40-hour weekly workload—using a time-banking system; Remote Work Allowance (except for positions requiring 100% onsite work). **Nice to meet you—we’re Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming daily alongside **more than 50,000 employees**. They are the reason we’ve been named the **Best Place to Work**, ranking #1 again according to Great Place To Work Brazil (GPTW). Together with **over 9 million members** across all Brazilian states, we believe in the power of cooperation to **build a more prosperous society and generate positive impact in people’s lives**—a purpose that unites and inspires us, promoting local and sustainable development, education, and financial inclusion. We continue seeking talents eager to help build a better world—and we want you on board. **\#JoinSicredi!**