Credit Data Science Specialist

Your well-being, our mission. Join a company that makes the world healthier.

GET TO KNOW US

We are revolutionizing corporate well-being. Our platform connects employees around the world to the best partners in physical exercise, mindfulness, therapy, nutrition, and sleep routines – all in one subscription. Based in New York with teams in Europe, North America, and South America, our mission is to make every company a well-being company.

We believe that work should be rewarding, inspiring, and balanced. Here, you will find a team that values well-being, collaboration, and diverse perspectives, in a place where passion and creativity break boundaries to create real impact. Your contributions will help build a healthier world, for you and millions of people globally.

THE OPPORTUNITY

We are hiring a Senior B2B Credit Policy Specialist to join our Financial Solutions (New Venturez) team in Brazil!

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

This Data Scientist will work in partnership with data engineers to build a data lake useful for modeling and for generating credit and collections policies. This person will be able to start from raw data and propose books of variables and features that are rich for the business – transforming 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

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

WHO YOU ARE

• Quantitative Background: Degree in Statistics, Engineering, Economics, Mathematics, or Computer Science.
• Proficiency in Data Science and AI: Experience in Python, applying regression and classification algorithms to financial forecasts, combined with an openness to working with various AI tools that generate efficiency gains in data analysis and KPI generation.
• Credit Risk Environment: Knowledge of credit cycles, including FPD (First Payment Default), Vintages, and SCR/Serasa data analysis.
• Statistical Modeling: Proven ability to handle complex calculations, as well as predictive modeling using statistical and machine learning concepts.
• Collections and Recovery Strategy: Experience in building propensity-to-pay models and conducting financial feasibility analyses for judicial versus extrajudicial collections.
• Advanced Data Manipulation: Mastery of SQL to extract insights from large-scale transactional databases and manage internal/external validation databases.
• Business English: Not mandatory, but considered a strong differentiator - English proficiency supports collaboration with partner teams in other countries and helps navigate the global “Be Global, Be Fit, and Be Loved” strategy.

Even if you don't meet 100% of the job requirements, apply! We would be happy to receive your application and analyze your fit for our team. Just keep in mind that previous experience in B2B credit risk (credit policy development), knowledge and experience in advanced SQL and data analysis and visualization, as well as technical knowledge in modeling and automation are mandatory for this specific role.

WHAT WE OFFER YOU

We have created a work environment for you to thrive in every dimension of your life. We do this through well-thought-out benefits, resources for emotional well-being, and a culture that empowers each person to truly connect with their role here and own it, balancing that with their own well-being.

Our flexible benefits program helps you customize them according to your needs!

Our benefits include:

WELLHUB: Free Gold+ plan, with access to thousands of gyms and studios, digital fitness programs, and online resources for meditation, nutrition, mental health support, sleep routines, and more. You can also add up to 3 family members to your plan, ensuring that those who matter most to you have access to well-being.

WELLZ: A unique, all-in-one resource for mental well-being. Wellz offers personalized journeys that combine weekly cognitive-behavioral therapy sessions (52 per year) and on-demand content.

HEALTH AND CARE: Health insurance, dental plan, and life insurance.

FLEXIBLE WORK: With a work regime that prioritizes flexibility, we offer hybrid and remote positions so you have the freedom to work in the way that works best for you. The work model for this specific role can be discussed with the recruiter and leadership. When you join Wellhub, you can also use our home office reimbursement to set up your home office!

FLEXIBLE SCHEDULE: Flexibility isn't just limited to where we work – it also includes being able to shape how and when we work. In partnership with your leadership, people define their schedules to be aligned with different time zones, the needs of each team, and each personal routine.

PAID TIME OFF: Disconnecting and recharging is very important. That's why we offer vacation after 6 months of work + 3 days off per year + 1 day off for each year at the company (adding up to 5 days) + 1 day off in your birthday month!

PAID PARENTAL LEAVE: Welcoming a new member to the family is one of the most special moments in life. We want every employee to be truly present and enjoy this family time. That's why we offer 100% paid parental leave to all new parents. Those who give birth are also entitled to extended leave (Empresa Cidadã) and a ramp-back period, where they can work part-time until they adjust to the new routine.

PROFESSIONAL DEVELOPMENT: Get access to global learning platforms, participate in interactive sessions, build your personalized development map, and explore our internal opportunities. Here, we focus on continuous learning and feedback to support your journey toward success – both personal and professional.

CULTURE: You will join a team of dedicated people who come together to break boundaries, support each other, and create lasting impact in corporate well-being. We win together, cultivating relationships of trust through transparent communication and a culture where every perspective matters. Learn more about our values and culture.

To learn a little more about life at Wellhub: Follow our pages on Instagram @lifeatwellhub and LinkedIn!

Diversity, Equity, Inclusion, and Belonging @ Wellhub

We seek to create a collaborative, welcoming, and inclusive environment where everyone feels they belong.

Wellhub is an employer committed to promoting equitable opportunities. All qualified applicants will be equally considered, without discrimination based on 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 compensate our employees. We are proud to be a Syndio Fair Pay Certified company, a certificate that reflects our ongoing dedication to fair and equitable compensation practices across our global team. Read more here.

Questions about how we handle your personal data? Consult our Job Applicant Privacy Notice.

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