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Lead Data Scientist - Credit Risk & Machine Learning

ZippiSão Paulo, Remote
Remote Full-time

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Experience Level

Experience

Qualifications

Qualifications:Proven experience in data science, particularly in credit risk and machine learning. Strong programming skills in Python or R. Experience with data processing frameworks (e.g., Spark) and databases (SQL, NoSQL). Familiarity with financial services and credit risk assessment methodologies. Excellent problem-solving abilities and analytical skills. Strong communication skills and the ability to work collaboratively in a team environment.

About the job

Join Zippi as a Staff Data Scientist
At Zippi, we are committed to empowering Brazil's 22 million micro and small enterprises (MPEs) with financial solutions tailored to their unique needs. Pioneering the use of PIX as a credit platform, we enable MPEs to access working capital instantly. With just a tap, our clients can pay business expenses and enjoy up to 10 days to settle payments, ensuring consistent cash flow for their operations.

Since our inception three years ago, we have achieved profitability and are experiencing a period of exponential growth. To date, we have disbursed over R$ 7.6 billion in credit to micro and small businesses across Brazil. We are rapidly scaling to become the leading working capital solution in the Brazilian MPE market, which generates approximately R$ 3.5 trillion annually. Just as credit cards transformed consumer spending, Zippi is redefining how small businesses manage their cash flow, offering instant access, seamless integration, and solutions crafted for daily operational needs.

Our success is driven by a highly automated, data-driven approach. We have developed an advanced technological infrastructure capable of processing large volumes of payment and credit data, enabling us to conduct risk analysis, credit release, and collections at scale while maintaining solid unit economics. We manage the entire credit cycle in-house, leveraging cutting-edge data science to make real-time decisions with high precision.

If you are looking for an opportunity to make a tangible impact in a worthy cause with one of the fastest-growing startups in emerging markets, tackling a multi-billion dollar opportunity, Zippi is the right place for you.

About the Team
We are a cohesive and high-performance data team, responsible for building and operating the foundation that enables Zippi's risk, product, and growth decisions. Our responsibilities include:
- Orchestrating data pipelines and managing both operational and analytical data.
- Developing and evolving machine learning models that fuel our credit engines and real-time automations.
- Creating tools, analyses, and data layers that support our operations.

About Zippi

Zippi is on a mission to empower micro and small businesses in Brazil with effective financial solutions. As a pioneer in utilizing PIX for credit access, we aim to transform the financial landscape for MPEs, ensuring they have the tools they need for sustainable growth. Our advanced technology and data-driven approach set us apart in the competitive market, and we are backed by top-tier investors like Y Combinator and Tiger Global.

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