信用数据科学专员

**Your wellbeing, our mission. Join a company shaping a healthier world.**

**GET TO KNOW US**

At Wellhub we're revolutionizing workplace wellness. Our platform connects employees worldwide to the best partners for fitness, mindfulness, therapy, nutrition, and sleep-all in one simple subscription. Headquartered in NYC with team members in Europe, North America and South America, we’re on a mission to make every company a wellness company.

We believe work should be fulfilling, inspiring, and balanced. Here, you’ll find a team that values wellbeing, collaboration, and different perspectives, where passion and creativity push boundaries to create real impact. Your contributions will help shape a healthier, more balanced world for you and millions of people globally.

**Join us in redefining the future of wellbeing!**

**THE OPPORTUNITY**

We are hiring a **Credit Data Science Specialist** in our **Financial Solutions (New Initiatives)** area in **Brazil**!

This is a **Remote – Brazil** position, meaning you can work from anywhere within the country. Please note that this role is only open to candidates in Brazil.

We are looking for a hands-on person with solid credit knowledge to join the Credit and Collections team. More than a purely technical profile, we need someone curious, who wants to understand how the business works and support it with data, information, and insights.

The Data Scientist will work in partnership with data engineers to build a data lake that is useful for modeling and for generating credit and collections policies. This person will be able to move from raw data to proposing rich variable books and features for the business - turning information into strategic advantage.

Among their main responsibilities, this person will create, implement, and monitor predictive models, as well as develop a cockpit of operational and managerial indicators to track the health and performance of the Credit and Collections Operation.

**YOUR IMPACT**

- Risk & Churn Predictive Modeling: Develop and monitor Credit Scoring and Churn models by leveraging transactional data from the Wellhub platform, including the calculation of revenue trends using linear regression and 99% confidence intervals.
- AI-Driven Credit Automation: Implement Generative AI and advanced algorithms to automate the credit analysis process, ensuring scalability while maintaining strict compliance with eligibility criteria and internal validation rules.
- Portfolio Strategy & Backtesting: Conduct quantitative studies and backtesting on portfolio behavior (Vintages, Roll Rates) to optimize credit limits, interest rate pricing, and proactive retention strategies.
- Collection Efficiency & Recovery: Analyze debt recovery performance and build propensity-to-pay models to segment the external collection strategy, including the financial feasibility analysis for judicial actions.
- Financial Performance Reporting: Design real-time dashboards to track critical KPIs such as First Payment Default (FPD), Provision for Doubtful Accounts (PDD), and the effectiveness of debt renegotiations.
- Live the mission: inspire and empower others by genuinely caring for your own wellbeing and your colleagues. Bring wellbeing to the forefront of work, and create a supportive environment where everyone feels comfortable taking care of themselves, taking time off, and finding work-life wellness.

**WHO YOU ARE**

- Quantitative Education: Bachelor’s degree in Statistics, Engineering, Economics, Mathematics, or Computer Science.
- Data Science & AI Proficiency: Experience in Python, applying regression and classification algorithms to financial forecasting, combined with an openness to working with a variety of AI tools to drive efficiency gains in data analysis and KPI generation.
- Credit Risk Environment: Knowledge of credit lifecycles, including FPD (First Payment Default), Vintages, and SCR/Serasa data analysis.
- Statistical Modeling: Proven ability to manage complex calculations, in addition to predictive modeling using statistical and machine learning concepts.
- Collection & Recovery Strategy: Experience building propensity-to-pay models and conducting financial feasibility analysis for judicial versus extrajudicial collection.
- Advanced Data Manipulation: Mastery of SQL for extracting insights from large-scale transactional datasets and managing internal/external validation databases.
- Business English: Not mandatory, but considered a strong differential - proficiency in English supports collaboration with peer teams in other countries and helps navigate the global strategy of "Be Global, Be Fit, and Be Loved."

We recognize that individuals approach job applications differently. We strongly encourage all aspiring applicants to go for it, even if they don't match the job description 100%. We welcome your application and will be delighted to explore if you could be a great fit for our team. For this specific role, please note that prior experience in regression and classification algorithms for financial forecasting and data visualization, have a strong understanding of credit lifecycle metrics, including FPD (First Payment Default), Vintages, and SCR/Serasa, as well as experience managing complex calculations and developing predictive models using statistical and machine learning techniques are mandatory requirements.

**WHAT WE OFFER YOU**

With thoughtful benefits, emotional wellbeing resources, and a culture that empowers you to take ownership of your role and your wellbeing, we create an environment where you can thrive in all dimensions of your life.

Our flexible benefits program allows you to customize some of the benefits, according to your needs!

**Our benefits include:**

**WELLHUB:** Free Gold+ membership with access to onsite gyms and studios, digital fitness programs, and online wellness resources for meditation, nutrition, mental wellbeing support, and more! Add up to three family members to your plan, ensuring access to wellness for those who matter most to you.

**WELLZ:** A complete emotional wellbeing program with a unique approach. It offers personalized journeys that combine individual therapy sessions (52 per year) and on-demand content.

**HEALTHCARE:** Health, dental, and life insurance.

**FLEXIBLE WORK:** As a Flexible First company, we offer hybrid and remote options to give you the freedom to work in a way that suits you. The model for this specific role can be discussed with your recruiter and hiring manager. When you join, use our home office reimbursement to set up your home office.

**FLEXIBLE SCHEDULE:** Flexibility for us isn’t just about where we work—it also means being able to shape how and when we get things done. Together with their leaders, employees define schedules that align with their time zones, team needs, and personal routines.

**PAID TIME OFF:** It’s important to take time away from work to recharge.Employees receive vacations after 6 months and additional 3 days off per year + 1 day off for each year of tenure (up to 5 additional days) + an extra holiday for your birthday!

**PAID PARENTAL LEAVE:** Welcoming a new child is one of the most special moments in your life. Take the time to be present and enjoy your growing family. We offer 100% paid parental leave to all new parents. Parents giving birth are eligible for an extended leave and a ramp-back period to return part-time while they get settled.

**CAREER GROWTH:** Access world-class platforms, participate in interactive sessions,  build your personalized development roadmap, and explore internal opportunities. We focus on continuous learning and feedback to support your journey toward personal and professional success.

**CULTURE:** You’ll join a team of passionate people who come together to break boundaries, support each other, and create a meaningful impact in workplace wellness. We win together, building trust through open communication and a culture where every perspective matters. [Learn more about our shared culture and values here.](https://wellhub.com/en-us/careers/our-values/)

**And to get a glimpse of life at Wellhub… Follow us on** [**Instagram**](https://www.instagram.com/lifeatwellhub/) **@lifeatwellhub** **and** [**LinkedIn**](https://www.linkedin.com/company/wellhub/) **!**

**Diversity, Equity, and Belonging at Wellhub**

We aim to create a collaborative, supportive, and inclusive space where everyone knows they belong.

Wellhub is committed to creating a diverse work environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, sex, gender identity or expression, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law.

Our commitment to inclusion also extends to how we recognize and reward our people. We’re proud to be Syndio Fair Pay Certified, reflecting our ongoing dedication to equitable and fair pay practices across our global team. [Read more about it here.](https://www.linkedin.com/posts/wellhub_fairpay-syndio-activity-7407826561531363328-wbN_?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAzHQWABKsRqcpvxy4QpDCJNe_szRdC4hgY)

Questions on how we treat your personal data? See our [Aviso de Privacidade para Candidatos.](https://wellhub.com/en-us/careers/job-applicant-privacy-notice/#:~:text=Aviso%20de%20Privacidade%20para%20Candidatos)

**#LI-REMOTE**