Pessoa Analista de Risco de Crédito Sênior

At Bending Spoons, we’re striving to build one of the all-time great companies. A company that serves a huge number of customers. A company where team members grow to their full potential. A company that functions at unparalleled levels of effectiveness and efficiency. A company that creates value for shareowners at an extraordinary rate. And a company that does so while adhering to high ethical standards.

In pursuit of this objective, we acquire and improve digital businesses, not to sell on, but to own and operate for the long term. The transformations we make are often deep—designed to speed up innovation, benefit customers, and strengthen business performance. Here, hierarchy is minimal and teams are small and talent-dense. We operate established products with the ambition, agility, and urgency of a startup. Across the company, we integrate AI deeply into how we work so that human judgment and machine intelligence reinforce each other.

For a talented, driven, and collaborative individual, working at Bending Spoons is an opportunity to learn, make an impact, and progress their career at an exceptionally high rate. That’s our promise to such a candidate.

A few examples of your responsibilities

• Design and improve data pipelines.
  Contribute to the design and evolution of data systems—ensuring data is accurate, reliable, and efficiently processed across diverse tech stacks.
• Ensure data correctness and scalability.
  Work closely with software engineers to validate data, define metrics, and improve the robustness of reporting and analytics systems.
• Develop internal data products and tooling.
  Help build scalable solutions (e.g., reporting engines, forecasting tools) used by product teams across the company.
• Support platform-wide decision-making.
  Partner with multiple teams to provide the analytical and modeling backbone for business planning and performance tracking.
• Leverage AI to accelerate work and uncover insights.
  Use AI tools to move faster, surface ideas and opportunities, and study competing products and trends.

What we look for

• Reasoning ability.
  Given the necessary knowledge, you can solve complex problems. You think from first principles, and structure your ideas sharply. You resist the influence of biases. You identify and take care of the details that matter.
• Drive.
  You’re extremely ambitious in everything you do—and your initiative, effort, and tenacity match the intensity of your ambition. You feel deeply responsible for your work. You hold yourself to a high—and rising—bar.
• Team spirit.
  You give generously and without the expectation of receiving in return. You support the best idea, not your idea. You're always happy to get your hands dirty to help your team. You’re reliable, honest, and transparent.
• Proficiency in English.
  You read, write, and speak proficiently in English.

What we offer

• Incredibly talented, entrepreneurial teams.
  You’ll work in small, result-oriented, autonomous teams alongside some of the brightest people in your field.
• An exceptional opportunity for growth.
  We go to great lengths to hire individuals of outstanding potential—then, our priority is to put them in the ideal position to thrive. Spooners in their 20s lead products worth hundreds of millions of dollars. And if you’ve got what it takes, you’ll soon be playing an essential role in major projects, too.
• All. These. Benefits.
  Flexible hours, remote working, unlimited backing for learning and training, top-of-the-market health insurance, a rich relocation package, generous parental support, and a yearly retreat to a stunning location. We help each Spooner set up the conditions to do their best work.
• Competitive pay and access to company equity at a discount.
  Typical annual salary offers range from £85,797 to £151,436 in London and from €66,065 to €107,837 elsewhere in Europe. The lower end of these ranges applies to candidates with little or no relevant experience, while exceptionally experienced candidates may receive offers of up to £316,052 in London or €240,330 elsewhere in Europe. Candidates offered a permanent contract may choose to receive part of their compensation in discounted company equity.

Commitment & contract
Permanent or fixed-term. Full-time or part-time.

Location
Milan (Italy), London (UK), Madrid (Spain), Warsaw (Poland), or fully remote from eligible countries.

The selection process
In our screening process, we prioritize verifiable signals of excellence, regardless of seniority. There are no preferential paths beyond what your application demonstrates, and we evaluate every candidate through the same process.

Some people hold back because they feel they lack experience or have an “imperfect” CV. If you like the role and believe you could excel over time, don’t self-reject.

All applications go through our careers page, which is the only way to be considered. If you pass our screening, you’ll be asked to complete one or more tests. They are challenging, may involve unfamiliar problems, and can take several hours. To learn more about what to expect throughout the selection process, you can find additional information here.

We set the bar high and won’t extend an offer until we’re confident we’ve found the right candidate. This is why a job may remain open for months or be reposted several times.

We consider all applicants for employment and provide reasonable accommodations for individuals with disabilities—please let us know through this form.

Before you apply
If you’ve applied before but didn't receive an offer, we recommend waiting at least one year before applying again.

Bending Spoons is a demanding environment. We’re extremely ambitious and we hold ourselves—and one another—to a high standard. While this tends to lead to extraordinary learning, achievement, and career growth, it also requires significant commitment.

To help you ramp up quickly and set yourself up for success, we expect you to spend most days in our Milan office during your first few months with us, regardless of your long-term work location. It’s the best way to rapidly absorb our company culture and build trust with your new teammates. We’ll support you with generous travel and accommodation assistance. After that, you’re welcome to work from one of our offices, or remotely from approved countries—depending on what we agree at the offer stage.

If the role speaks to you and you’re excited to give your best, we’d love to hear from you. Apply now—we can’t wait to meet you.

At Heinsohn, we partner with clients across North America and LATAM, building innovative solutions in an agile, diverse, and multicultural environment. We are passionate about technology, continuous learning, and collaboration - and we want you to be part of this growth.

We are looking for a
AI Engineer specialized in Agentic AI
to join our team and bring expertise that will contribute to the success of high-impact international projects.

✨ Responsibilities

• Design and develop Agentic AI solutions focused on process automation and solving complex problems.
• Develop and implement AI agents using Google Cloud Vertex AI and/or Azure AI Agents.
• Integrate AI models and services into enterprise applications and solutions.
• Contribute to the design, development, and continuous improvement of AI agent-based architectures.
• Collaborate with technical and business teams to identify opportunities for applying artificial intelligence.
• Develop scalable and reliable solutions leveraging cloud-based AI technologies.

NOTE: PER HOURS
✅ Requirements

• 3+ years of Professional experience developing Artificial Intelligence solutions.
• Proven experience with Agentic AI / AI Agents.
• Hands-on experience with Google Cloud Vertex AI and/or Azure AI Agents.
• Knowledge of developing and integrating solutions based on AI models.
• Ability to design solutions focused on automation and autonomous task execution.
• Strong analytical and problem-solving skills.
• English B2 or higher for communication with international teams and clients.

🌟 Benefits

• 100% remote work from any LATAM country
• Opportunity to work on international projects with multicultural teams
• Culture that encourages professional development and continuous learning
• Spaces for innovation, well-being, and career growth

Ready to take your talent to the next level?
At Heinsohn, we value innovation, passion for technology, and teamwork. If this sounds like your next challenge, apply today and let’s make history together! ✨

As our hiring team is international, we kindly ask that you submit your CV in English to ensure it can be reviewed by all stakeholders.

Work where work matters.

We are a global technology group built for what's next, offering high calibre professionals the platform for high stakes work, the kind of work that defines an entire career. When you join us, you're not just taking on projects, you're solving problems that don't even have answers yet.

You will join an exclusive roster of talent that global leaders, including Google, Snap, Diageo, PayPal, and Jaguar Land Rover call when deadlines seem impossible, when others have already tried and failed, and when the solution absolutely has to work.

Forget routine consultancy. You will operate where technology, design, and human behaviour meet to deliver tangible outcomes, fast. This is work that leaves a mark, work you'll be proud to tell your friends about.

We are looking for a
Senior AI Engineer
with deep expertise in Vertex AI, Python, and Large Language Models to join our Americas team. In this role, you will be responsible for architecting and deploying the production-grade AI solutions that power next-generation intelligent applications for our enterprise clients in North America. Based in Argentina, you will act as a core technical pillar for the region, bridging the gap between client requirements and high-performance delivery. You will focus on engineering excellence, specifically in the realms of generative AI, RAG architectures, and agentic systems, while collaborating with our global engineering teams in Europe.

We look for people who embody:

Innovation
to solve the hardest problems.

‍
Accountability
for every result.

‍
Integrity
always.

About The Role

• Architect AI Solutions:
  Build and deploy production-grade AI features, including RAG (Retrieval-Augmented Generation) pipelines, LLM orchestrations, and Agentic workflows using Vertex AI.
• Develop Core Logic:
  Write clean, maintainable, and highly efficient code in Python to support AI model integration and data-intensive applications.
• Optimize Model Performance:
  Fine-tune models for specific business logic and optimize LLM prompts to ensure accuracy, relevance, and safety for enterprise use cases.
• Engineer Data Sources:
  Optimize and manage data sources and vector databases to ensure high-quality retrieval for context-aware AI systems.
• Collaborate Globally:
  Work closely with US-based product owners and European delivery teams, requiring a proactive communication style and flexibility for early-morning syncs.
• Ensure Quality:
  Champion best practices in AI observability, evaluation frameworks, and automated testing to ensure the reliability of enterprise-level deployments.
• Consult with Clients:
  Partner with clients to develop new AI concepts and enhancements, translating business goals into technical AI roadmaps.

This role is designed for impact, and we believe our best work happens when we connect. While we operate a flexible model, we expect you to spend regular quality time on site (at our offices or a client location) for collaboration sessions, customer meetings, and internal workshops.

What Success Looks Like

• Engineering Experience:
  Extensive professional experience in software engineering, with a significant focus on AI/ML implementation.
• AI/ML Integration:
  Mastery of the Vertex AI ecosystem and proven experience integrating LLMs into production-grade applications.
• Python Expertise:
  Mastery of the Python ecosystem, specifically libraries used for AI development and data manipulation.
• GCP Proficiency:
  Hands-on experience with Google Cloud Platform services, specifically Vertex AI, BigQuery, and Cloud Functions.
• DevOps Skills:
  Proficiency with Docker and CI/CD pipelines as they apply to MLOps workflows.
• Communication:
  Fluent English skills with the ability to discuss technical trade-offs clearly with both peers and stakeholders.

Nice to Have

• AI Frameworks:
  Deep experience with LangChain or LlamaIndex.
• Data Engineering:
  Understanding of data pipelines and ETL processes to support AI model training and retrieval.
• Advanced RAG:
  Experience with sophisticated retrieval techniques and vector search optimization.
• Certifications:
  GCP Professional Machine Learning Engineer.

Our Benefits

We believe in supporting our team members both professionally and personally. Here's how we invest in you:

• OSDE 210 for family group
• Work from Home Allowance - (50 USD varies from company to company)
• Birthday leave
• 10 paid learning days per year
• Bonusly 100 points per month to recognise colleagues

Diversity and Inclusion

At Beyond, we champion diversity and inclusion. We believe that a career in IT should be open to everyone, regardless of race, ethnicity, gender, age, sexual orientation, disability, or neurotype. We value the unique talents and perspectives that each individual brings to our team, and we strive to create a fair and accessible hiring process for all.

About PayJoy
PayJoy, a Public Benefit Corporation, is a mission-first credit provider dedicated to helping under-served customers in emerging markets to achieve financial stability and success. Our patented technology for secured credit provides an on-ramp for new customers to enter the credit system. Through PayJoy’s point-of-sale financing and card offerings, customers gain access to a modern quality of life. PayJoy’s credit also allows our customers to seize opportunities as micro-entrepreneurs, and acts as insurance for tough times. Through our cutting-edge machine learning, data science, and anti-fraud AI, we have served over 18 million customers as of 2025 while achieving solid profitability for sustainable growth.

This role
The AI and Automation Analyst is responsible for designing, building, and deploying AI-powered solutions and automations that streamline processes, reduce manual work, and unlock new capabilities across PayJoy. Acting as the bridge between business needs and applied AI/automation technology, this role identifies opportunities, develops and integrates models, agents, and workflow automations, and ensures they run reliably and responsibly in production. Ultimately, the engineer turns repetitive tasks and complex problems into scalable, intelligent solutions that improve efficiency, decision-making, and customer experience.

Responsibilities

• Identify, design, and build AI/ML and automation solutions (e.g., LLM-based applications, agents, RPA, and workflow automations) that address business needs and reduce manual effort.
• Develop, integrate, and deploy models and automation workflows into production, connecting them with existing systems, data sources, and APIs.
• Build and maintain prompt engineering, retrieval (RAG), and evaluation pipelines to ensure the quality, accuracy, and reliability of AI outputs.
• Monitor, test, and improve deployed solutions tracking performance, cost, latency, and accuracy iterating based on feedback and metrics.
• Partner with business and technical stakeholders to gather requirements, prioritize use cases, document solutions, and enable teams to adopt them.
• Apply responsible-AI, security, and compliance best practices (data privacy, bias mitigation, access controls, PII protection), coordinating with Security/IT and Data as needed.

Qualifications
The following requirements support successful performance in the role. Attributes that could be considered discriminatory are intentionally avoided.

• Software / tools: Proficiency in Python; experience with AI/ML frameworks and LLM APIs (e.g., OpenAI, Anthropic), plus automation/orchestration tools (e.g., n8n, Make/Zapier, Airflow) and workflow/RPA platforms. Familiarity with a major cloud (GCP/AWS/Azure), APIs/webhooks, and version control (Git).
• Specific knowledge: Applied machine learning and generative-AI concepts (prompting, RAG, embeddings, fine-tuning), agent frameworks, integration patterns, and building and monitoring solutions in production. Experience in fintech or high-volume environments is valued.
• Expected results: Reliable, well-documented AI and automation solutions in production that measurably reduce manual work, improve process efficiency, and deliver accurate, trustworthy outputs.
• Skills: Strong analytical and problem-solving skills, curiosity and fast learning in a rapidly evolving field, attention to detail, clear communication of technical concepts, and collaboration across business and technical teams.
• Desirable (not essential): Experience with vector databases, MLOps/LLMOps, and data engineering or integrations; the Zoho ecosystem or similar platforms; intermediate/advanced English (Portuguese a plus); and prior experience in a similar AI / Automation Engineer role.

Benefits

• Benefits may vary by country
• 100% Company Funded : Private Health Insurance for employee and immediate family
• 20 days vacation, unlimited sick leave
• $2,000 USD annual Co-working Travel perk
• $2,000 USD annual Professional Development perk
• Phone Finance, headphone benefit, home office equipment allowance and wellness perks

PayJoy is proud to be an Equal Employment Opportunity employer and we welcome and encourage people of all backgrounds. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

PayJoy Principles
Finance for the next billion * Ownership * Break Through Walls * Live Communication * Transparency & Directness * Focus on Scale * Work-Life Balance * Embrace Diversity * Speed * Active Listening

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.