This position is listed on behalf of a partner company, which manages all applications and next steps. Our partner is looking for a Cientista de Dados Especialista (Políticas de Crédito) based in Brazil. As a senior technical reference within the Credit Policies team, you will lead the end-to-end design, testing, simulation, and optimization of credit strategies across the entire customer lifecycle. You will bridge advanced Data Science, artificial intelligence, and business strategy to transform complex datasets into automated, scalable, and high-impact credit policies. Working closely with Modeling, Engineering, Product, Risk, Fraud, and Finance teams, you will help shape critical business decisions and drive profitable portfolio growth. Your work will directly influence credit approval rates, pricing strategies, limit management, and collections while keeping risk exposure and delinquency under control. You will also champion innovation through machine learning, mathematical optimization, and AI-driven automation, helping the team evolve toward more dynamic and personalized decision-making. This is an opportunity to combine technical leadership, analytical excellence, and strategic influence in a collaborative, fast-paced fintech environment.