Job Summary: Develop statistical models, segmentation strategies, and GenAI-based solutions, translating data into business strategies for various directorates, while executing end-to-end projects. Key Highlights: 1. End-to-end project execution with business evolution and intelligence 2. Development of highly complex statistical, ML, and GenAI models 3. Bridging models and business challenges to generate value Our team is responsible for developing statistical models, segmentation strategies, and GenAI-based solutions. We work directly with the Product, Risk, Commercial, and Customer Service Directorates, transforming data into business strategies that create value. You will have the opportunity to execute end-to-end projects, bringing evolution and intelligence to the business. **Responsibilities and Duties** * Develop statistical models, presumed income models, segmentation strategies, and high-complexity, high-impact solutions for Porto Bank’s Risk Directorate (focused on credit origination and maintenance) * Understand business unit problems across the Bank * Map risks and plan projects in clearly defined phases * Ensure implementation of developed models in collaboration with MLOps teams * Build compelling project storytelling to present and ensure usability of the developed model across Bank units * Conduct analytical studies using traditional techniques, Machine Learning, and GEN AI * Develop and automate departmental processes to increase productivity **Requirements and Qualifications** * Experience developing statistical and Machine Learning models for the credit lifecycle, including **Credit Scoring (Application and Behaviour)** and financial capacity estimation models (**Presumed Income**) * Knowledge of **credit policy strategies**, understanding the impact of models on credit approval rules and limit management, is a plus * Proficiency in PySpark, Python, and SQL for large-scale data manipulation and analysis * Proven experience with Databricks or similar big data platforms * Familiarity with visualization and reporting tools, preferably Power BI * Strong communication skills and leadership ability in technical and business discussions * Ability to independently plan and manage time and projects autonomously * Deep business acumen to connect models with real-world challenges and value generation **Additional Information** **BENEFITS** **Flexible Meal and Food Allowance;** **Health Insurance;** **Dental Insurance;** **Wellhub and TotalPass;** **Exclusive Bio Ritmo Gym for Employees:** at the Head Office Complex; **Profit Sharing Program (PLR);** **Stock Ownership Program: Porto em Ação:** complementary to PLR until 2025; **Beach Volleyball and Multipurpose Courts:** at the Head Office Complex; **Transportation Allowance;** **Van Transportation Services;** available at major access stations to Porto (Luz, Barra Funda, Santa Cecília, and Júlio Prestes); **Extended Parental Leave:** up to 40 days for all family configurations; **Extended Maternity Leave:** six months; **Medical Outpatient Clinic with Specialties:** at the Head Office Complex and Barra Funda; **Childcare or Nanny Assistance;** **Life Insurance;** **Private Pension Plan – PortoPrev;** **Discounts on Products and Services;** **Tuition Reimbursement: Reimbursement for undergraduate, graduate, or MBA programs;** **Monthly Running Events:** subsidy for major street races in São Paulo **Language Reimbursement (English or Spanish);** **Teatro Porto:** exclusive sessions for Employees; **Library;** **Rest Room:** at the Head Office Complex **Game Room:** at the Head Office Complex **Massage and Podiatry Services:** at the Head Office Complex **Work Location:** On-site (We operate hybrid work models, which will be explored during the selection process); Porto is much more than an insurance company: it is a vast ecosystem leveraging technology to build solutions across four business verticals: **Porto Bank, Porto Saúde, Porto Seguro, and Porto Serviço**. Our reputation and recognition earned over more than seven decades underscore Porto’s scale — a business reference company built by and for people. Here, 13,000 employees proudly wear their hearts on their sleeves — **proud to be part of a solid, ethical organization that transforms dreams into fantastic realities** for our 15.8 million+ customers. We operate through over 101 branches and regional offices nationwide. Learning is embedded in our DNA, and here you’ll find **incentives, tools, and great people to learn and grow every day**, in a welcoming, secure environment where everyone can be themselves and take pride in who they are — fostering respect, **living fully and well-being in a genuinely human company.** **DIVERSITY & INCLUSION AT PORTO** At Porto, we value diversity and believe a plural team is essential for the development of our entire business, society, and each individual — recognizing that every person is unique in building a more innovative and inclusive environment. Together, we work daily to build a safe, free, and welcoming space with greater plurality and respect. Therefore, we **strongly encourage applications from women, Black and Indigenous people, people with disabilities, and LGBTQIA+ individuals** for all our open positions.