Credit Data Analyst · US Online Lending

Company Description 300 Software is a technology partner that acts as a strategic extension of clients’ businesses, helping them connect to the best technological solutions. The company focuses on applying intelligence and specialized teams to drive measurable results and accelerate growth. Its core areas of expertise include digital product development, squad allocation, and IT consulting. Professionals joining 300 Software can expect to work in a collaborative environment that values innovation, problem-solving, and long-term client partnerships. Credit Data Analyst
· US Online Lending Want to be the person who knows why loans get approved, and whether they should be? Want real ownership at a US fintech without leaving Brazil? You'll join the operating team of a US online consumer lender and work where credit decisions happen: the top of the funnel. You'll track how applications convert and perform, dig into what the data says about each borrower, and take projects from a blank page to a clear recommendation. You'll work in English, directly with the client's leadership, on numbers that matter from your first month.

What you'll do
• Work the top of the funnel. Monitor and refine how applicants get approved: approval rules, cutoffs, application scoring and screening at application. Know which levers move approval and loss rates.
• Read the borrower through the data. Use credit bureau data and bank transaction data to understand a customer's real cash flow, and find which features actually predict who pays.
• Keep a pulse on the business. At set checkpoints through the day, check lead conversion, loans funded and site traffic. When something looks off, find out why.
• Own data projects end to end. For example, test whether bank transaction data can reliably validate a borrower's income, or run a pilot with a data vendor: prepare the historical file, set up the secure transfer, manage the conversation and turn the results into a go or no-go.
• Pull, clean and connect data. Work in SQL and Excel, and catch the things that don't make sense, like a loan funded after its first payment.
• Turn analysis into decisions. Short, clear takeaways the team can act on the same day. What we're looking for
• Fluent English. This is the first thing we check. You'll speak with native speakers every day, and we test it live. Please answer the application questions in English.
• Hands-on credit decisioning at the top of the funnel. You've worked on approval rules, cutoffs, scorecards or application screening at a business where customers apply online: online lending, BNPL, fintech, digital wallets, e-commerce or marketplaces. Hands-on subprime lending counts even if the channel was a store or direct mail.
• Credit data. You've used credit bureau data (Experian, Equifax, TransUnion, Serasa, Boa Vista, SPC or similar), bank transaction and cash-flow data, or both, to decide who gets approved.
• Feature analysis. You've dug into applicant variables to find what separates good borrowers from bad ones, and you can explain it in plain words.
• Around 5 years of experience. Roughly 4 to 8 years. This is an early to mid-career seat. If you have 12+ years or a deep technical specialization, it's probably not the right fit, and that's OK.
• Hands-on SQL and strong Excel. You query and shape the data yourself. Complex formulas, pivots, blending several sources without errors. No database-admin depth needed.
• Comfort with numbers, and ownership. Rates, ratios and "is this normal?" feel natural. You like finishing things, asking "why?", and figuring things out in a lean team.
• Long term. We're looking for someone who wants a stable, single-client seat for well over a year, not a stop of a few months. Nice to have
• Subprime or BNPL lending

experience:
the strongest differentiator for this seat
• Income or cash-flow verification using bank transaction data (open finance, Plaid or similar)
• Fraud screening at application in a high-volume online business
• A conceptual grasp of how scores and models behave in an approval funnel (no modeling required)
• Previous experience working fully remote with an international team
• Something you built or led on your own: a side project, a business, a process nobody asked you to create Honestly This is a hands-on seat. It's not about building machine learning models or data infrastructure, and it's not for someone who only wants to produce reports. Industry context matters more than technical depth. If your experience is mostly after origination (collections, recovery, credit committee) or approving loans one by one, this isn't the right match. A fraud-focused background can work, but credit decisioning is what moves the needle here. The pace picks up in Q4, the busiest season in US lending. The practicals
• Full-time, fully remote, from Brazil, one client
• Paid in USD