Data Scientist

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August 27

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RecargaPay

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Fintech • Finance • B2C

RecargaPay is a leading all-in-one payment platform in Brazil, dedicated to providing easy and secure access to mobile payments and digital financial services for everyone. The platform enables users to pay bills, recharge transportation and mobile phones, purchase gift cards, and make Pix transactions with credit cards. RecargaPay offers a comprehensive range of financial services, including cashback rewards, small loans, and a digital wallet with daily interest accrual. Additionally, they provide services to businesses, such as free business accounts, payment processing, and marketing solutions. With a focus on accessibility and innovation, RecargaPay strives to change how payments are made in Brazil.

201 - 500 employees

Founded 2010

💳 Fintech

💸 Finance

👥 B2C

💰 $10M Debt Financing on 2022-07

📋 Description

• Mission: deliver best payment experience for Brazilian consumers and small businesses; build a digital ecosystem connecting the banked and unbanked; one-stop shop for financial needs. • Company serves over 10 million users and processes more than USD 4 billion annually; profitable since 2022; AI-first, 100% remote team. • Role: support development, monitoring, and evolution of credit models and decision strategies; lead development and implementation of advanced ML models and analytical solutions for credit and transaction risk. • Responsibilities: develop and implement real-time scoring models; build predictive models using internal and third-party data; evolve static rule engines into dynamic graph-based ones; lead adoption of Databricks and Data Catalogue; analyze large volumes of transactional, user behavior, and demographic data; develop fingerprinting and geographic tracking; guide and mentor team members; monitor and analyze performance of credit models.

🎯 Requirements

• Proficiency in Python, SQL, and Spark; experience with Pandas, NumPy, Matplotlib, Scikit-learn; familiarity with Databricks, AWS, Azure; experience with Git. • Demonstrated experience building and implementing machine learning models; deep knowledge of classification, regression, clustering, feature engineering, model selection. • Experience with model explanation techniques like SHAP, bivariate analysis, and weight of evidence. • Ability to handle large datasets and write efficient SQL; experience with exploratory data analysis and evaluating model features. • Strong understanding of A/B testing, experimental design, and statistics; knowledge of predictive modeling metrics such as AUC, KS, precision, recall. • Knowledge of data modeling principles and experience building robust, scalable data models. • Analytical mindset, strong mathematical skills, and problem-solving orientation. • Ability to research and adapt existing solutions; apply statistics, economics, and behavioral finance to optimize solutions. • Strong communication skills to translate technical findings to business audiences; collaborative team player. • Bonus: Proficiency with PySpark, MLOps experience, model monitoring in production, exposure to Open Finance/credit bureau/behavioral features, fintech or financial services experience.

🏖️ Benefits

• Competitive and market-aligned salary. • Remote work — wherever you are, you’re part of the team! • Home office allowance through a monthly deposit in the RecargaPay app. • Health and dental plans with no co-pay. • Life insurance. • Flexible meal allowance (via Flash). • TotalPass membership to take care of your health. • Spanish or Portuguese classes.