Modeling Analyst II

At RecargaPay, we're on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We've been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We're looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what's possible.

If you're ready to do your best work, at scale, with purpose — this is your place.

As a Modeling Analyst on Data Science team, you will be responsible for:

• Monitor and analyze the performance of credit models, focusing on stability, accuracy, and business impact.
• Support the design, execution, and analysis of A/B tests and other experiments related to credit decision strategies.
• Maintain organized data structures and technical documentation (data books, variable dictionaries, version control).
• Perform backtesting analyses using bureau data, identifying patterns and opportunities for segmentation.
• Conduct exploratory data analysis to support new modeling initiatives or model updates.
• Analyze and evaluate model features, including univariate, bivariate analysis and feature drift monitoring.
• Assist in building reusable analytical pipelines for scalable and sustainable insights.
  • Advanced SQL: ability to handle large datasets and write efficient, optimized queries.
  • Python: experience with libraries like Pandas, NumPy, Matplotlib, and Scikit-learn.
  • Experience with ML algorithms: logistic regression, random forest, gradient boosting, etc.
  • Models explanation: SHAP, bivariate analysis, weight of evidence, etc.
  • Databricks: familiarity with collaborative notebooks, workflows, and Delta Lake integration.
  • Git: version control, repository organization, and collaboration best practices.
  • Data visualization and communication: ability to translate technical findings into actionable business insights.
  • A/B testing and statistics: solid understanding of experimental design and statistical significance.
  • Basic knowledge of predictive modeling: understanding of metrics such as AUC, KS, precision, and recall.
  • Analytical mindset and results-oriented, with a strong focus on problem-solving.
  • Passion for innovation and experimentation.
  • Knowledge of data modeling principles and experience in building robust and scalable data models.
  • Strong mathematical skills and ability to optimize complex problems.
  • Experience in activities related to data science.
  Bonus Points
  • Proficiency with PySpark for distributed data processing in large-scale environments.
  • Experience with MLOps in machine learning projects.
  • Familiarity with model monitoring in production environments.
  • Exposure to Open Finance, credit bureau data, or behavioral features.
  • Previous experience in fintechs or financial services companies.
    • 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.

Diversity & Inclusion at RecargaPay
At RecargaPay, you'll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the use of your Data
By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).