Cientista de Dados Especialista (Políticas de Crédito)

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Cientista de Dados Especialista (Políticas de Crédito) based in Brazil. This is a senior, high-impact Data Science role focused on the design and evolution of credit policies across the full customer lifecycle.You will serve as a technical reference for credit policy strategy, combining advanced analytics, experimentation, optimization, and machine learning.The role connects Data Science with executive decision-making, translating complex data into automated and commercially effective credit strategies.You will work closely with Risk, Fraud, Finance, Modeling, Engineering, and Product teams to balance portfolio growth with disciplined risk management.Your work will influence approval rates, profitability, customer value, and credit risk through evidence-based policy decisions.The environment is agile, collaborative, and highly data-driven, with significant ownership over experimentation, governance, and innovation.This is an opportunity to shape scalable credit decision frameworks while advancing the use of AI and automation across the policy lifecycle.