Sr Data Scientist (Fraud)

Come Make an Impact on Millions of Brazilians!

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.

Responsibilities

At RecargaPay, we are looking for a Sr. Data Scientist passionate about solving complex fraud and transaction risk problems, directly impacting the lives of millions of Brazilians. Join our Data Science team and lead the evolution of our fraud prevention strategies, using cutting-edge technologies and contributing to the construction of innovative solutions.

As a Sr. Data Scientist on the Fraud and Transaction Risk team, you will be responsible for:

• Developing and implementing real-time fraud scoring models: Design and implement transactional inference solutions to identify and prevent fraudulent activities at the precise moment,
• Optimizing user onboarding: Build predictive chargeback models using internal and third-party data, improving onboarding quality and reducing losses,
• Transforming our rule engine: Evolve our static rule engine into a dynamic and conditional graph-based rule engine, enabling more intelligent and adaptable fraud rule management,
• Implementing fingerprinting and geographic tracking solutions: Develop and implement fingerprinting and geographic tracking systems to improve fraud detection and prevention at the account level,
• Leading the adoption of new technologies: Drive the adoption of technologies like Databricks and Data Catalogue in the Fraud team, advocating for best practices and facilitating the transition to a more modern and efficient data environment,
• Data modeling and advanced analytics: Analyze large volumes of transactional, user behavior, and demographic data to identify patterns, trends, and opportunities for improvement in fraud prevention,
• Mentorship and technical leadership: Guide and mentor junior team members, sharing your experience and knowledge, and leading key projects from a technical perspective,
• Defining success metrics: Establish clear and relevant metrics to measure the impact of Data Science projects on fraud reduction and operational efficiency improvement

Requirements

• Demonstrable experience in building and implementing machine learning models for fraud and transaction risk prevention,

• Deep knowledge of classification, regression, and clustering algorithms, as well as feature engineering and model selection techniques,
• Strong programming skills in Python, SQL, and Spark,
• Experience with big data platforms like Databricks and AWS,
• Knowledge of relational databases (PostgreSQL) and messaging tools (Kafka, SQS).
• Experience in developing and implementing real-time scoring,
• Ability to communicate complex ideas clearly and concisely to technical and non-technical audiences,
• 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.

Bonus Points

• Experience with graph-based rule engines.
• Knowledge of fingerprinting and geographic tracking techniques.

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).