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.

Responsibilities

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

Requirements

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

Benefits

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).