Tech Lead – Credit Decision Engine

🕒 March 3

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Koin

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2014

💳 Fintech

🔐 Security

☁️ SaaS

Fintech • Security • SaaS

Koin is a Brazilian payments and fraud-prevention company that provides AI-powered anti-fraud solutions and payment products for merchants, including Pix parcelado (BNPL) and a payment gateway. It helps e-commerce businesses increase conversion and reduce fraud losses by combining machine learning, expert rules, real-time detection and recovery strategies, and operates as a licensed payment institution/correspondent under Brazilian regulations.

📋 Description

• You will be responsible for the evolution of our credit decision engine, ensuring that each applied rule makes sense and delivers real business impact. • Implement changes and improvements to the credit policy applied in the in-house decision engine. • Develop testing tools for the engine and validate policy changes to ensure consistent results. • Actively participate in building the next version of the decision engine. • Monitor and interpret decision results, identifying inconsistencies, errors and opportunities to improve the logic. • Collaborate with IT teams (infrastructure and development) to ensure integration and performance. • Co-create strategic improvements for the area together with the Product team.

🎯 Requirements

• Strong ability to quickly understand business rules and translate them into technical solutions. • Solid experience with TypeScript in backend development. • Knowledge of REST API development. • Experience with AWS services. • Advanced English for technical reading and communication. • Preferred: Experience with Python. • Experience with decision engines or credit policies. • Advanced Excel for analysis and validations. • Experience using AI tools in software development.

🏖️ Benefits

• Life insurance • Health and dental insurance • Transportation allowance • Meal and food vouchers (VR + VA) • Childcare assistance • Extended parental leave • Total Pass or Wellhub • WFA (Work From Anywhere) • Discounts on Decolar.com • Golden Farma • Home office allowance