Junior Data Scientist — Credit

Description

**Brazilian fintech accelerated in Silicon Valley needs you!** Facio (https://facio.com.br/) helps improve the lives of workers facing financial hardship. We are a profitable Series B fintech backed by Monashees, ONEVC, and Y Combinator, with significant annual revenue and an established user base. Our mission is to improve the financial well-being of Brazilian workers who lack access to fair credit — starting with salary advances and expanding to full financial empowerment. ***What you will do*** * Support the development and maintenance of credit models and policies — score, behavior, eligibility, pricing, limits * Build and validate features from transactional data, credit bureaus, and payment behavior * Analyze cohort performance (P1/P2/P3 default, Over15, TOV) and propose policy adjustments jointly with the Risk team * Collaborate with Risk, Product, and Engineering to deploy models into production * Rapidly learn about the credit business for low-income workers ***You are the right person if*** * You have 1–3 years of experience in data science, analytics, or quantitative fields (credit experience is a major plus) * You are proficient in Python/SQL and fundamentals of statistics and modeling (logistic regression, decision trees, etc.) * You possess genuine curiosity to understand the business behind the numbers * You want to grow and learn quickly alongside a senior team ***Nice-to-haves*** * Experience with credit/score models, cohort analysis, or credit bureau data (Serasa, Boa Vista, Quod) * Active daily use of AI tools (Claude Code, Cursor, ChatGPT)