Credit Data Science Specialist

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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.

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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.

• 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.

• 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