Junior Data Scientist – Credit Modeling (Fintech / YC\-backed) Apurata is growing fast — 82% YoY — and we’re expanding our **data\-driven Credit Analysis team**. We’re looking for a **junior team member** with a solid foundation in **data science, machine learning, or consumer credit risk**. A strong grasp of the underlying theory is a plus, but your **curiosity and drive to learn** matter most. If you know a little, want to learn a lot, and take pride in being analytical, this is your opportunity. **Our mission:** Apurata improves access to financial products for Latin America’s middle class. We use alternative data and digital efficiency to offer fair, affordable credit to people excluded from traditional finance. We’re backed by **Y Combinator**, **500 Startups**, and other top global VCs. **You’ll work with:** Our Chief Data Officer, CEO, and CTO to enhance our predictive infrastructure — optimizing new variable testing, deploying models, and refining algorithm performance. Experience in credit scoring is a plus, but none of us started as credit risk experts — yet we’ve improved defaults by **1,000 bps** in the last 12 months. **What we value:** * Self\-starter and self\-learner mindset * Accountability and ownership * Comfort taking “measured” risks * Team spirit and curiosity **Technical stack:** Python • Git • Advanced statistics • scikit\-learn • Boosted models / Decision trees **Responsibilities:** * Collaborate with Data Science and Credit teams * Build and deploy predictive models * Automate variable generation and analysis processes **Benefits:** * Flexible schedule * Rapid learning and growth environment **About Apurata:** We’ve raised millions in VC funding and have grown double digits monthly for a year, while improving portfolio quality dramatically. 75% of our operations are automated — join us to redefine how Latin America’s middle class accesses credit. **Apply here before October 31st:** https://form.typeform.com/to/mrojGztT *(We are looking for a data scientist or expert in consumer credit risk modeling with Python knowledge for our Credit Risk and Analysis area.)* Job Types: Full\-time, Internship Base Pay: From S/.9,000\.00 per month