ASAAS
ASAAS
501 – 1,000 Employees
ConsultingHealthcareHospitality
ASAAS develops immersive 360° virtual tours for businesses and organizations seeking more engaging digital experiences. Its work combines 360° video, drone capture, and interactive features to create customized virtual environments for sectors such as education, hospitality, museums, and healthcare. The company focuses on helping clients present their spaces and services online with richer, more interactive visual content.

Expert Data Scientist, Credit Modeling — Remote Brazil

Lead credit risk modeling for Asaas, a Brazilian fintech. Build, validate, deploy, and monitor machine learning solutions across the full credit lifecycle.

Description

  • Maintain the team’s technical playbook and model-development pipelines
  • Establish standardized methodologies, reusable functions, validation criteria, and structured outputs for executive and technical communications
  • Lead the development, calibration, and ongoing enhancement of predictive models across Application, Behavior, Collection, Early Warning, PD, LGD, and EAD stages
  • Oversee data extraction, transformation, feature engineering, methodology design, validation, deployment, and implementation with Engineering and IT
  • Monitor production model performance and stability using Gini, KS, and PSI metrics
  • Recommend model recalibration or replacement when performance or stability requires it
  • Create and maintain technical model documentation to support auditability, reproducibility, and compliance
  • Evaluate and implement statistical methods, machine learning algorithms, and alternative data sources
  • Partner strategically with Policy, Risk, and Fraud Prevention teams
  • Deliver analytical insights, risk curves, and simulations for executive decisions

Requirements

  • Demonstrated experience building and validating credit risk models within financial institutions, fintech companies, credit bureaus, or specialist consultancies
  • Advanced programming skills in languages used for data analysis and predictive modeling
  • Proficiency in extracting and manipulating large structured and unstructured datasets
  • Strong theoretical and applied expertise in advanced machine learning and deep learning
  • Practical knowledge of logistic regression, decision trees, and model validation and sampling methods
  • Familiarity with black-box model interpretability tools such as SHAP and LIME
  • Comprehensive understanding of the credit lifecycle and its principal risk metrics
  • Strategic ability to identify, structure, and expand practical applications of artificial intelligence within the team’s workflow

Benefits

  • Medical and dental coverage with no co-payment
  • Life insurance
  • Prescription medication allowance
  • Fitness allowance
  • Four complimentary therapy or nutritionist sessions each month
  • Quick massage service at headquarters
  • Flexible meal allowance provided on a Visa card
  • Free food at headquarters
  • Childcare allowance
  • Parental support program
  • Extended maternity and paternity leave
  • Internal training platform
  • Education allowance covering 70% of undergraduate tuition and language courses, plus courses and books
  • Home office allowance
  • Work equipment
  • Home office furniture allowance
  • WOBA partnership providing coworking access across Brazil
  • One day off during your birthday month
  • Happy hour allowance
  • Referral bonus for successful hires
  • Annual performance-based bonus
  • Stock option plan
  • No dress code

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