Senior Data Scientist – Risk Analytics

First Help Financial

Machine Learning Engineer developing risk models at First Help Financial. Leading analytical solutions for credit lifecycle projects through collaboration with finance, risk, and operations teams.

Posted 6/8/2026contractSão Paulo • 🇧🇷 BrazilSeniorWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Design, develop, validate, and continuously enhance end‑to‑end risk models and scorecards across the credit lifecycle, including Originations, Pricing, Loss Forecasting, Servicing, and Collections.
Partner closely with Risk, Finance, Product, and Operations teams to translate business problems into analytical solutions that drive measurable outcomes.
Evaluate and integrate new data sources, features, and modeling approaches, assessing their incremental value, robustness, and impact on risk and profitability.
Lead what‑if, stress testing, and scenario analyses to support strategic initiatives, new programs, and policy changes.
Ensure models are interpretable, stable, and production‑ready, balancing predictive power with regulatory and operational constraints.
Own the ongoing monitoring and performance tracking of models, identifying degradation, bias, or drift and proactively proposing improvements.
Stay current on regulatory expectations and industry best practices in credit risk modeling, particularly within the auto finance space, and incorporate them into modeling standards and documentation.

Requirements

What you’ll need

Bachelor’s degree in Statistics, Mathematics, Engineering, Computer Science, Physics, or a related quantitative field (Master’s or PhD is a plus).
5+ years of hands‑on experience building and deploying predictive models in a production environment, preferably within credit risk, lending, or financial services.
Proven experience developing scorecards and statistical models using techniques such as logistic and linear regression, tree‑based methods, ensemble models, time series, survival analysis, clustering, and/or machine learning methods.
Strong proficiency in Python and SQL, with the ability to manipulate, analyze, and extract insights from large, complex, and imperfect datasets.
Solid understanding of the full model lifecycle — from data exploration and feature engineering to validation, monitoring, and retraining.
Ability to communicate complex analytical findings clearly and confidently to both technical and non‑technical stakeholders.
A pragmatic mindset: you know when to optimize for accuracy, explainability, speed, or compliance — and how to make trade‑offs responsibly.

Benefits

Comp & perks

Great Perks – We offer generous salaries, social activities, monthly lunches, and a robust employee recognition and talent development program to enhance your career with us.
Culture - We are believers in maintaining a healthy work-life balance. While we work hard and care deeply about our customers and partners, we want you to have room for your family, friends, and yourself.
Growth - Company growth provides unprecedented career growth. FHF’s extraordinary year over year growth in revenue and new markets provides opportunity for you to establish and develop your career growth. We engage each employee to build a career plan that benefits everyone, and we have a proven record of investing in *you*.

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Hard Skills & Tools

predictive modelingstatistical modelslogistic regressionlinear regressiontree-based methodsensemble modelstime series analysissurvival analysisclusteringmachine learning

Soft Skills

communicationanalytical thinkingproblem-solvingcollaborationpragmatic mindset