Job Summary: We are seeking a Senior Credit Strategy and Modeling Analyst to drive innovation on the Kamino platform by developing and enhancing risk models and credit decisioning using Machine Learning. Key Highlights: 1. Be part of innovations from day one 2. Develop skills and grow professionally 3. An inspiring work environment with challenging projects **We are more than just financial software.** Kamino **is the most comprehensive financial management platform** **for mid-sized service companies in Brazil**. Our key differentiator lies in combining financial operations automation (accounts payable, accounts receivable, and reconciliation) with native integration of bank accounts and corporate credit cards—all within a single platform. **Moreover, it seamlessly connects to major local banks and ERPs**. The result **is greater efficiency, control, and visibility**, generating significant time and cost savings for Kamino’s customers. **About the Challenge** We are looking for **a Senior Credit Strategy and Modeling Analyst** to join our credit team. Are you seeking an environment where you’ll be involved in innovations from **#Day1**? Do you want equity options and to join a well-funded startup ready to accelerate? **If yes**, keep reading to see the qualifications that align with this opportunity. **Responsibilities and Duties** **Your mission during the Kamino journey:** * Build and update Risk and Behavior Score models using Machine Learning algorithms (XGBoost, Gradient Boosting, etc.); * Consolidate and process data from external and complex sources such as Bureaus (Serasa/Boa Vista), Open Finance, SCR, and judicial proceedings; * Evaluate model performance and conduct stress tests to ensure predictive accuracy under new scenarios and new data sources; * Enhance Application and CLM (Credit Lifecycle Management) policies by segmenting customers by size and risk profile based on data; * Develop pricing models to determine the optimal minimum spread according to risk, customer size, and product usage; * Define maximum limits per economic group and create mechanisms to unify risk consumption across different products; * Design automated credit decision workflows—especially for higher-value tickets and advance products; * Centralize decision data and logs into a single database to ensure continuous feedback for Machine Learning models; * Adjust variables and automatic triggers for real-time credit limit blocking or expansion. **Requirements and Qualifications** **What do you bring to this Kamino journey?** * Bachelor’s degree in Statistics, Mathematics, Engineering, Economics, or other quantitative disciplines; * Ability to translate statistical metrics (e.g., KS, Gini, AUC) into business decisions and profitability insights; * Capacity to solve complex problems using applied statistics; * Automation mindset (eliminating manual processes); * Solid experience with supervised algorithms such as XGBoost, CatBoost, or similar; * Proficiency in Python (pandas, scikit-learn, etc.) and advanced SQL for large-scale data manipulation; * Experience in risk management, vintage analysis, delinquency indicators, and decision engines is a plus. **Additional Information** **We’ve thought of everything, right? Here’s what we’ve prepared so you stay energized while walking the Kamino path with us:** * SulAmérica Especial 100 Health Plan—including legal dependents, no monthly fee, and no copayment—Your health must be top priority; SulAmérica is the best. * SulAmérica OdontoMais Dental Plan—Always smiling, always confident; * Life Insurance—Feeling protected matters, right? * Flash Card—Truly flexible benefits. This one can never be missing! * Wellhub (Gympass) and TotalPass—Let’s build healthy habits! * Birthday Week Day Off—By law, you must celebrate on the most important day of the year. * Eligibility for Stock Options after 1 year of employment—This is elite! Oh, and the role is hybrid—we’re in the office 3 days per week, okay? **Join us! Let’s go!** We invite you to become part of a dynamic and talented team where you can develop your skills and grow professionally. At our company, we value teamwork, innovation, and commitment to excellence. If you seek an inspiring work environment with continuous learning opportunities and challenging projects, come join our team!