CAS | Senior Data Scientist - Focus on Credit Granting and Guarantees

Description

Job Summary: This role integrates a data-driven culture into credit concession and guarantee processes, focusing on developing, implementing, and monitoring statistical models and collaborating with various teams. Key Highlights: 1. Incorporate a data-driven culture into daily operations 2. Develop and monitor statistical credit models 3. Work with continuous technical evolution Joining the Credit Granting and Guarantees Data Team means integrating a data\-driven culture into daily operations. Here, your main responsibilities will include developing, implementing, and monitoring statistical models (e.g., behavior, application, clustering, among others). You will also conduct studies and analyses to propose the creation or refinement of credit granting and guarantee application strategies for credit decisions. We maintain ongoing contact with other departments and Credit Cooperatives, as our deliverables are jointly coordinated. Therefore, topics and working groups may vary over time. **Responsibilities and Duties** * Development of credit granting models, considering diverse customer segments, strategies, and Sicredi products; * Implementation, together with the Technology team, of models developed by the Credit Granting team; * Monitoring, reviewing, recalculating, and calibrating models as appropriate; * Conducting studies and proposing new initiatives related to credit granting and guarantees, understanding member profiles, products, and stages of the credit lifecycle; * Collaborating with various product teams to support data/information analysis and generate new insights; * Interacting with different roles across the data and systems landscape (analysts, engineers, scientists, and business analysts); * Maintaining necessary documentation for deliverables and communicating results; * Maintaining continuous technical evolution. **Requirements and Qualifications** * Bachelor’s degree in quantitative fields such as Statistics, Mathematics, Physics, Accounting and Actuarial Sciences, Engineering, Economics, Computer Science, or related disciplines; * Experience in Statistical Modeling applied to the credit market; * Strong writing skills, ability to synthesize information, and effective communication; * Experience with programming languages such as R, Python, Spark, and SQL; * Practical experience in data analysis, indicator monitoring, and development of ad\-hoc studies; * Knowledge and experience in the Credit market; * Intermediate English proficiency is desirable. **Additional Information** At the **Sicredi Administrative Center (CAS)**, for positions in business areas, we adopt a hybrid work model consolidated as 3 days on-site at the company headquarters located at Av. Assis Brasil, 3940, São Sebastião, Porto Alegre/RS, and 2 days remotely. For Tech area positions, we adopt a fully remote work model. \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ At **Sicredi**, you’ll enjoy: 14th and 15th 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 Group, and Local Gym; Meal Allowance and Food Voucher – with flexible % allocation across VA/VR cards, no co-payment; Extended Maternity and Paternity Leave; Childcare or Nanny Assistance for children up to 6 years and 11 months; Assistance for children with disabilities, with no age limit; Life Insurance; Private Pension Plan up to 7% of salary; Training Platform – Sicredi Aprende, offering diverse courses; 40-hour weekly workload – using a time-banking system; Remote Work Allowance (except for positions requiring 100% on-site presence). **Nice to meet you — we are Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming every day alongside **over 50,000 employees**. It is they who make us the **Best Place to Work**, once again ranking first according to Great Place To Work Brazil (GPTW). Together with **over 10 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 who wish to help build a better world — and we want you on board. **\#JoinSicredi!**