Data and Experimentation Lead

The mission:

Join Baubap as Data Lead – Growth & Experimentation and own the end-to-end data and experimentation strategy that enables profitable growth with disciplined unit economics.

This role is a hands-on leadership position, responsible for transforming data into concrete decisions across Acquisition, Retention and Collections, with a clear objective: acquire better customers, reduce loss rate and improve payback.

You will be the single owner of experimentation at Baubap, defining what is tested, how it is measured, which metrics matter, and under what rules an experiment is considered successful or not. This includes designing the experimentation framework, governing its execution, and ensuring results drive real business decisions.

This role also builds and operationalizes predictive models (e.g. risk-adjusted LTV, churn and re-borrow propensity) to improve customer quality, lifecycle performance and acquisition budget allocation.

As Baubap scales, success is not defined by growth at any cost, but by faster payback, lower losses and sustainable portfolio quality. This role ensures Growth decisions are grounded in causal evidence, not assumptions or correlation.

The expected outcome:

• A clear, company-wide Growth data and experimentation framework/playbook consistently used across Acquisition, Retention, Product and Risk
• Clearly defined and trusted key revenue and Growth metrics (CAC, LTV, payback, loss rate.
• Growth decisions optimized for payback period, LTV/CAC and portfolio quality, not vanity metrics
• Reliable understanding of what drives incremental growth and customer quality, combining experimentation and analytical insights
• Data-driven segmentation strategy to reallocate acquisition budget toward high-value channels and segments, accelerating payback and strengthening collections performance across the full customer lifecycle.
• Faster and more confident decision-making enabled by trusted dashboards, analyses and experiment results
• Alignment across teams on how success is measured and how insights translate into action
• Development and operationalization of predictive models (risk-adjusted LTV, churn, re-borrow propensity, early risk signals) actively used in Growth decisions
• More accurate monthly budget forecasts and performance scenarios to support acquisition planning and capital allocation
• Measurable improvement in loss rate and portfolio quality directly attributable to data-driven Growth optimization

Requirements:

• 8+ years of experience in Data Analytics, Data Science or Growth Data roles, with strong hands-on ownership
• Proven experience working closely with Growth, Acquisition and Retention teams to influence budget and strategy
• Strong ownership of Growth and revenue metrics (CAC, LTV, payback, loss rate, collections performance)
• Proven experience designing and governing experimentation and incrementality frameworks
• Solid understanding of causal inference, including A/B testing, lift studies and synthetic controls
• Experience with attribution modeling and media performance analysis beyond last-click
• Ability to build budget forecasts and scenario models to support acquisition planning
• Strong experience with SQL and Python for analytics, experimentation and modeling
• Experience owning data pipelines, metric definitions and data quality standards
• Proven ability to create executive dashboards and business narratives
• Experience with event-based and lifecycle data (Braze or similar)
• Fintech, lending or credit experience is a strong plus

What we can offer:

• Being part of a multicultural, highly driven team of professionals
• 20 vacation days / year + 75% holiday bonus (Prima Vacacional)
• 1 month (proportional) of Christmas bonus (Aguinaldo)
• Food vouchers
• Health & Life insurance
• Competitive salary