Brazil
Pavago
Banco PAN
Pricing Specialist - (Vehicles)
Brazil
São Paulo, Brazil
PythonSQL
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About the opportunity
We are PAN
Agile, flexible, and creative, we explore possibilities with willingness and a desire to make things happen. Always ready to face new challenges, we nurture leaders who, besides having grit, are open and empathetic, seeing in the closeness of relationships the link between each person.
Our mission is fulfilled when we transform others' lives through our knowledge. Our cultural pillars reinforce our idealistic stance and desire to make things happen: Intensity, Nonconformity, Efficiency, Team Spirit, and Integrity.
We are your financial ally, bringing intelligent solutions that help you achieve your goals with security and confidence.
Develop quantitative models that explain the relationship between price, conversion, and demand, supporting the evolution of vehicle pricing strategies. Act as a technical reference in generating evidence, hypotheses, and recommendations that will be translated into pricing actions by the business areas.
Main challenges
- Develop, validate, and evolve price-demand elasticity and conversion models, considering segments, products, channels, and financing conditions.
- Apply causal inference and uplift modeling methods to estimate the incremental effect of price changes.
- Define the statistical design of A/B and A/B/n tests, including sampling, metrics, control groups, and evaluation criteria.
- Explore techniques such as Multi-Armed Bandits, when appropriate for the problem and the level of experimental maturity.
- Develop rate algorithms and recommendations that serve as input for the analyses and actions of Business Analysts.
- Perform backtesting and monitor the stability, performance, and generalization capacity of the models.
- Work with the ROA team in the ex-post evaluation of results, without assuming responsibility for financial or accounting modeling.
- Act as a technical reference and knowledge multiplier in pricing modeling.
Minimum requirements
What are the main skills for the position?
- Degree in Statistics, Applied Mathematics, Economics, Econometrics, Engineering, Data Science, or related fields.
- Solid experience with statistical, econometric, or Machine Learning models.
- Knowledge of elasticity, causal inference, experimentation, and heterogeneous treatment effects.
- Proficiency in Python or R and SQL.
- Knowledge of hypothesis testing, statistical power, confidence intervals, and sensitivity analysis.
- Scientific rigor, critical thinking, and autonomy to conduct end-to-end modeling.
- Ability to translate technical results into clear hypotheses and recommendations for business areas.
- Collaborative profile to work with Business Analysts, ROA, Data Engineering, Credit, and other stakeholders.
Desirable
- Postgraduate degree, Master's, or PhD in a quantitative field.
- Experience in Pricing, credit, banking, fintech, or sectors with dynamic pricing.
- Experience with uplift modeling, causal forests, doubly robust estimators, or discrete choice models.
- Knowledge of A/B/n tests, sequential experimentation, Multi-Armed Bandits, or contextual bandits.
- Familiarity with credit products and concepts such as spread, funding, credit risk, and ROA.
- Experience with version control, cloud environments, and analytical models in production.
Work model: Hybrid (4 days in the office and 1 day remote) - Avenida Paulista.
PAN Benefits
- Bonus / Profit Sharing
- Meal Voucher
- Food Voucher
- 13th Food Voucher
- Health Plan (inpatient in a private room for the employee and dependents)
- Dental/Orthodontic Plan
- Medical Clinic at the office
- Life Insurance
- Discounts at over 10 thousand pharmacies
- 4 psychotherapy sessions per month
- Extended family leave (Primary caregiver 6 months and secondary caregiver 30 days)
- Childcare / Nanny Assistance
- AcomPANha (support program for pregnant women)
- Wellhub/Totalpass
- Assistive Technology Assistance (reimbursement of 85% for employees with disabilities)
- Development programs
- Hair salon at the office
- PAE (Legal, Financial, Psychological, and Social Guidance)
- Discount portal in various segments (Allya)
- Vaccination campaign (employee and dependent)
- Vehicle financing facilitation (Subject to analysis)
- PAN credit card with differentiated limit (Subject to analysis)
- Transportation Voucher (discount of only 4%)
- Funeral Assistance
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