• Verify information related to Scalapay customers to prevent illicit activities such as money laundering, terrorist financing, and financial fraud.
• Manage day-to-day activities related to the process with accuracy and timeliness, communicating with colleagues and/or the Risk/Compliance departments to avoid violations of internal regulations.
• Share useful insights and suggest potential improvements to the team.

• Analyze customer profiles flagged by our screening provider as "Potential Match" for Sanctions, adverse media, or PEP (Politically Exposed Persons).
• Review KYC information collected and approve or reject customers in case of confirmed alerts.
• Improve the customer due diligence process to ensure a seamless experience for the end customer.

HIRING PROCESS

1. A quick chat with one of our Talent Acquisition team members
2. A first interview with the Hiring Manager to deep dive into your experiences and better understand your motivation
3. A short case study to test your hard skills, that will be debriefed with a panel of future internal stakeholders
4. A final interview with a board member to discuss the values of Scalapay

THE MISSION

Reporting to the Sales Lead ITALY, we are looking for a Sales Development Representative to help us further develop our business across the Fashion & Apparel, Travel, and Electronics sectors, among others, by managing the top of the Sales funnel with Italian B2B prospects.

WHAT YOU WILL DO

• Target and qualify prospects and merchant accounts in line with the sales strategy & needs
• Work closely with the Account Executive team in order to align on strategies and action plan
• Generate qualified appointments with C-Levels 
• Update all Sales activities in our CRM (today we're using Hubspot)
• Define the relevant outbound tools and channels with the Sales & Marketing team
• Determine the best (and innovative!) approaches to engage prospects
  
  

WHO WE'RE LOOKING FOR

Must have:

• Prior Sales experience in a startup or Saas-selling environment
• Strong data-driven and critical thinking approach
• Hunting and never give up attitude
• Native or near-native level of Italian (C1-C2) and full working fluency in English (B2+), our global communication language
• Humility and eagerness to learn new methodologies
• Determination and persistence: nothing stops you from generating appointments!
  
  

What makes you stand out:

• You've worked in a field directly related eCommerce and/or BNPL in Italy
• You hate inefficiency; when you see a broken process, you fix it
• You communicate directly. No corporate speak.  
• You speak any of the following additional languages: French, Spanish and/or Portuguese

Expected Outcomes

• Meet or exceed the target every quarter
• All the meetings organised are well qualified (aka no meeting booked "just" to reach numerical targets ;)
• Become a fundamental part of the Italian team and help the company grow: we're looking for people who can raise the bar and question processes, not just follow them;)
• Foster a positive and inclusive team culture within the local team, encouraging collaboration, innovation, and a strong sense of ownership 

WHY JOINING SCALAPAY?

• High-impact role in a leading European BNPL fintech and unicorn: your work moves the needle
• Direct exposure to e-commerce industry leaders
• Real ownership, real growth, a team worth working with 
  
  

OUR HIRING PROCESS

• An initial chat (in English!) with our Talent team
• An interview with Alessandro (Italy Sales Lead) to deep dive into your experiences and better understand your motivation - for sure at least one of these will be face to face
• A case study to test your hard skills, that will be debriefed with a panel of future internal stakeholders including Matteo, our VP Strategic Growth
• A final chat with Simone (our CEO)
  
  

Yes, you'll meet the CEO. We take hiring seriously.

And though timing in hiring does indeed matter, we value even more finding the perfect fit for the role and the team. With high internal standards, a job may remain open or be reposted several times.

THE MISSION

We are looking for a Growth Marketing Specialist to join our Growth Marketing team and take ownership of the B2B self-service pipeline, the engine that turns inbound merchant requests into live partnerships across Italy, Spain, France, and Portugal.

You will think strategically, challenge proposals critically, and drive performance improvements through data, experimentation, and a deep understanding of digital advertising platforms. You will guide an external media agency on campaign operations and coordinate with the internal creative team on ad concepts, while also being hands-on: leveraging AI to prototype assets, building landing pages, and running experiments with the support of advanced LLM tools.

KEY RESPONSIBILITIES

• Own the performance of B2B paid campaigns across Google Ads and Meta Ads, guiding an external agency to ensure the best strategic and tactical decisions are made;
• Manage and evolve HubSpot workflows powering the self-service pipeline: lead qualification, automated communications, deal progression, and merchant nurturing;
• Collaborate with the Product team on a new B2B onboarding portal (in-store and online), ensuring CRM integration and communication triggers are correctly configured;
• Design, execute, and analyze A/B tests across the merchant funnel: landing pages, email sequences, onboarding touchpoints;
• Analyze campaign and funnel data to extract actionable insights and connect advertising performance to actual business impact;
• Monitor and optimize cost per Qualified Deal across all active markets.

WHAT WE ARE LOOKING FOR

Experience & Background

• 3-4 years of experience in growth marketing, performance marketing, or demand generation, ideally B2B;
• Hands-on experience managing paid campaigns on Google Ads and Meta Ads with a total annual budget of at least EUR 500K;
• Experience with a CRM platform (HubSpot strongly preferred): managing workflows, automations, and deal pipelines;
• Versatility across paid media, CRM, and analytics, whether built in agency, consulting, or in-house environments.

Technical Skills

• Google Ads & Meta Ads: conversion events, pixel/CAPI setup, optimization signals, attribution models;
• CRM (HubSpot preferred): workflow building, deal pipeline management, custom properties, attribution improvement;
• Analytics: confidence with at least one platform (Amplitude, Google Analytics, HubSpot Analytics);
• AI/LLM Tools: proven experience using advanced LLM tools (e.g., Claude Code, Codex) to accelerate analysis and experimentation;
• A/B Testing: solid understanding of control groups, test design, and statistical significance.

Mindset

• Analytical, data-driven, and comfortable digging into data to find the "why" behind a metric shift;
• Critical thinker who investigates when something doesn't add up;
• Proactive and solution-oriented;
• Strong communicator in both Italian and English.

Nice to Have

• Experience in fintech, payments, or e-commerce;
• Familiarity with SQL (JOINs, aggregations, filtering).

Recruitment Process:

1. A conversation with our Talent Acquisition team;
2. A first interview with the Hiring Manager to deep dive into your experience and role expectations;
3. A skills-based exercise and debriefing session involving key stakeholders;
4. A final chat with Simone (our CEO) where he will share and assess the Scalapay Values.

The Mission:
We are looking for an Enterprise Account Executive that will help us drive Scalapay’s growth by forging and managing partnerships with global enterprise clients in key industries like Cosmetics, Fashion & Apparel, Beauty, Electronics, and more. 
As a strategic dealmaker, you’ll collaborate with C-level decision-makers to deliver tailored, high-impact solutions.

What You’ll Do:

• Win Big Deals: Target, pitch, and close enterprise-level partnerships, crafting strategies to expand Scalapay’s presence;
• Own Relationships: Build trust with CEOs, CMOs, CFOs, and other senior stakeholders, becoming their go-to advisor;
• Strategize & Close: Design sales plans, negotiate contracts, and guide deals from start to finish;
• Collaborate: Work with Marketing, Product, and Customer Success teams to ensure client success and shape Scalapay’s growth;
• Report Smarter: Leverage CRM (Hubspot) and data to track progress, share insights, and exceed targets.

Who You Are:

• Experience: 10+ years in enterprise sales, ideally in Payments, Fintech, or eCommerce;
• Proven Success: A history of closing global deals, smashing targets, and understanding enterprise needs in industries like Fashion, Beauty, Electronics and so on;
• Sales Mastery: you follow a sales methodology, with exceptional negotiation and communication skills;
• Strategic Edge: Big-picture thinker with sharp business acumen and a disciplined sales approach (if you speak MEDDIC its a plus);
• Tech Savvy: Proficient in CRM and analytics tools (Hubspot experience is a bonus).

Why you should join Scalapay:

• International environment with significant challenges to be met every day;
• Lots of opportunities to work with a team of industry leaders who are focused on delivering products that offer exceptional user experiences;
• Personalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow!

Hiring Process:

1. A quick chat with one of our Talent Acquisition team members;
2. A first interview with the Head of Sales to deep dive into your experiences and better understand your motivation;
3. A case study to test your hard skills, that will be debriefed with the a panel of managers;
4. A final chat with Simone (our CEO) where he will share and assess the Scalapay Values.

The Role in One Line

You're the gateway. Every merchant that goes live with Scalapay passes through you first.

Why This Role Matters

Scalapay doesn't grow without merchants. And merchants don't go live without onboarding.

This isn't a back-office compliance role. You're the first operational touchpoint for businesses that want to offer Scalapay to their customers. You control the speed, the quality, and the experience of how merchants enter our ecosystem.

In a regulated Payment Institution (supervised by Bank of Italy), onboarding is where compliance meets commercial. Manageing KYB, documentation, and regulatory requirements is also about deepening skills that transfer directly to roles in compliance, risk, operations, or account management across fintech and financial services.

What You'll Own

End-to-end merchant activation

• Manage standard and complex onboarding cases from first contact to go-live
• Conduct KYB checks and documentation review for regulatory compliance
• Run daily onboarding calls with prospective merchants—solving blockers in real-time
• Create and maintain merchant records in internal systems

Merchant success in the critical window:

• Support merchants through their first transactions post-go-live
• Monitor documentation completeness and flag risks early
• Be the voice of the merchant internally — escalate friction points

Process improvement:

• Identify bottlenecks that slow down onboarding
• Propose and test improvements to reduce time-to-live
• Feed insights back to Product, Sales, and Compliance teams

The Skills You'll Build

• Regulatory fluency: Deeper understanding of KYB, AML requirements, and how Payment Institutions operate under Bank of Italy supervision
• Commercial instinct: You'll know what merchants care about, what frustrates them, and how to move deals forward
• Operational excellence: Process design, system management, cross-functional coordination
• Stakeholder management: Working with Sales, Legal, Compliance, and Product daily

These skills open doors to Operations leadership roles — in fintech or traditional financial services.

Who We're Looking For

Non-negotiables:

• You are fluent in Spanish (C1-C2) as you'll be the voice of Scalapay for Spanish merchants
• You already have some prior short experience in KYC/KYB and/or AML in a regulated entity; 
• You are proficient in English and Italian (B2 level minimum in both)
• You're data-driven and organized, you like things to run like a machine

What separates good from great:

• You hate inefficiency—when you see a broken process, you fix it
• You're comfortable with ambiguity and can prioritize without hand-holding
• You communicate clearly and directly (no "corporate speak")
• You care about the merchant experience, not just completing tasks
• You have previous exposure to startup/scale-up environments (you know what "fast" means)

What We're NOT Looking For

• People who want to "just follow the process" without questioning it
• Candidates who see this as a stepping stone to something "more interesting" — this IS interesting if you approach it right
• Anyone uncomfortable with direct merchant communication

Logistics and Compensation

• Location: [Milan /2-days remote weekly]
• Language: Spanish (C1-C2) + English (working proficiency)
• Compensation range: 24-26K€ gross yearly

Hiring Process

1. Quick intro with our Talent Acquisition Team
2. Deep-dive interview with Hiring Manager and COO (your experience + motivation)
3. In-office Case study (show us how you think through real onboarding scenarios) with different stakeholders along with a chat with the CFO
4. Final chat with Simone Mancini (CEO)

And timing in hiring does indeed matter though we value even more finding the perfect fit for the role and the team. With high internal standards, a job may remain open or be reposted several times.

The role

Join Scalapay’s Compliance & AML team as a Process Automation & Data Analysis Intern.

You will work closely with the Compliance & AML team to identify, design, and develop automation solutions for internal processes, as well as transform operational data into actionable insights to support compliance and AML analysis.

This is a hands-on opportunity for those who want to apply technical and analytical skills in a regulated, fast-paced, and international environment.

What you will do

• Analyze operational processes within the Compliance & AML area to identify automation opportunities;
• Develop internal tools for monitoring, reporting, and document management;
• Analyze datasets from internal sources to identify patterns, anomalies, and trends relevant to AML compliance;
• Build dashboards and periodic reports to monitor compliance KPIs and support audit activities;
• Collaborate with the team to develop risk analysis models and support the interpretation of transactional data.

Who we are looking for

• Recent graduate (Bachelor’s or Master’s degree) in Computer Science, Computer Engineering, Data Science, Economics with a quantitative focus, or related fields;
• Familiarity with IT tools and programming;
• Strong problem-solving skills and a structured approach to process and data analysis;
• English at a fluent level as the team is international;
• Curious, proactive, and eager to learn in a fast-evolving environment.

Nice to have

• Basic knowledge of AML/KYC regulations or the fintech/payments industry;
• Experience with data analysis and data management tools;
• Ability to analyze and clearly communicate insights derived from large datasets;
• Previous experience, including academic projects, involving dataset exploration.

What we offer

• Hands-on experience in one of Europe’s most innovative fintech companies;
• Continuous mentorship from senior Compliance & AML professionals;
• Dynamic, international, and meritocratic work environment;
• Competitive monthly internship allowance;
• Potential for growth and full-time opportunity at the end of the internship.

Tell us about a project (personal or academic) where you used automation — we’d love to hear what you’ve built! 🛠️

THE MISSION 

We are looking for a motivated Junior Account Manager to create long-term, trusting relationships with our merchant partners in Italy in the E-commerce industry.
The role is to oversee a portfolio of assigned merchant partners, actively seeking new sales and business opportunities with existing partners. Additionally, the Junior Account Manager will be responsible for collecting, analyzing, preparing and reporting key data points.

Key Responsibilities:

• Support the retention and growth of your assigned merchants through regular check-ins and business reviews;
• Learn to provide consultancy to merchants on how to optimize revenue using our premium products (Affiliation and Media Packages);
• Collaborate with the Sales Team to ensure a smooth Go-Live for new merchants and optimize their integration settings;
• Help coordinate co-marketing activities to attract Scalapay’s audience, working closely with our internal Marketing team;
• Use data to identify business opportunities and prepare sales presentations with relevant findings and research;
• Keep up to date with industry trends and innovations, positioning yourself as an emerging expert in the BNPL space.

Minimum Qualifications:

• Strong interest in the fintech and e-commerce industry with a proactive attitude.
• Excellent verbal and written communication skills in both Italian and English.
• Good analytical skills and the ability to use data to support arguments and presentations.
• Demonstrated ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• A strong desire to learn a structured Sales Process measured by KPIs and Leading Indicators.
• 1+ year of experience in account management, sales, or internships within the digital/e-commerce sector.

Hiring process

1. A quick chat with one of our Talent Acquisition team members;
2. A first interview with the Head of Key Account Management to deep dive into your attitude and motivation;
3. A case study to test your hard skills, that will be debriefed with your Manager and VP Growth;
4. A final chat with Simone (our CEO) where he will share and assess the Scalapay Values.

THE MISSION 

We are looking for a motivated Key Account Manager to create long-term, trusting relationships with our merchant partners in Italy in the E-commerce industry. The Key Account Manager’s role is to oversee a portfolio of assigned merchant partners, actively seeking new sales and business opportunities with existing partners. Additionally, the Key Account Manager will be responsible for collecting, analyzing, preparing and reporting key data points.

Key Responsibilities:

• Retain and grow your portfolio by leading sales calls, business reviews, negotiations and recurring check-ins;
• Provide consultancy to our merchants on how to optimise revenue and marketing, leveraging your know-how and our paid premium products and services such as Affiliation and Media Packages;
• Collaborate with the Sales Team on the Go-Live of large Enterprise, time-to-market and negotiating the best setting with the merchant;
• Optimise integration making us the most appealing option, and grow the collaboration to achieve maximum penetration with all your assigned portfolio;
• Manage co-marketing activities with your merchants to attract the Scalapay’s customer audience, collaborating with our Marketing team;
• Use data analysis to spot business opportunities and presenting custom sales presentations with relevant findings and research;
• Create case studies and best practices regularly, and share them internally and externally with the goal of scaling your account management activities and improve our sales conversion;
• Test new approaches to increase revenue and provide weekly forecast to your manager: increase revenue will be your main goal; 
• Be an advocate for your merchants with internal stakeholders with the goal of improving our business model, integrations, products and services;
• Support your team and the overall strategy to continue positioning Scalapay as the pioneer in Buy Now, Pay Later;
• Meet your merchants face-to-face regularly via market visit, fairs, event and other activities;
• Keep up to date with everything cool that's happening in the industry; think of yourself as the expert for innovation in the industry.

Minimum Qualifications:

• Strong business acumen;
• Strong sales and negotiation skills;
• Proven ability to grow partnerships;
• Proven experience in upselling and cross selling to maximise client portfolios;
• Attitude to work following a structured Sales Process measured by clear Leading Indicators and KPIs; 
• Excellent communication skills, proactive, organised and data-driven profile;
• Demonstrated ability to manage concurrent multiple projects and execute on tight deadlines;
• Proficiency in Italian and English is a must;
• 5+ years experience in account management and/or business consultant, preferably in the e-commerce industry;
• Must be willing to travel to merchant locations up to 30% of the time.

Hiring process

1. A quick chat with one of our Talent Acquisition team members;
2. A first interview with the VP Growth to deep dive into your attitude and motivation;
3. A case study to test your hard skills, that will be debriefed with your Manager and VP Growth;
4. A final chat with Simone (our CEO) where he will share and assess the Scalapay Values.

THE MISSION

As our Senior Product Manager for Subscriptions, you will drive the evolution of our B2C BNPL subscription product, with the goal of maximizing user value, retention, and recurring revenue. You will be the key person for scaling our fintech offering, balancing an excellent User Experience with regulatory and risk requirements

Key Responsibilities:

• Define the subscription product strategy, managing a roadmap focused on business outcomes (LTV, retention) rather than just feature delivery;
• Evolve the subscription pricing and packaging model, managing promotional cycles to improve ARPU;
• Optimize the entire consumer funnel (onboarding, activation, and recurring usage), reducing drop-offs and simplifying the UX;
• Leverage data (cohort, churn, and conversion analysis) to drive strategic decisions and take full ownership of product KPIs;
• Partner with Legal and Risk teams to embed regulatory constraints into the design of a responsible BNPL product;
• Ensure high-quality delivery by coordinating with Engineering, Marketing, and Finance to align product goals with business milestones.

What we are looking for:

• Experience & Background
• 3-5+ years of experience as a Product Manager, preferably in Fintech or with B2C subscription-based products;
• Solid understanding of monetization logic, pricing strategies, and user acquisition dynamics;
• Experience operating within regulated environments (Compliance/Risk) without compromising execution speed;

Technical Skills:

• SQL (intermediate+): Ability to query data warehouses directly - JOINs, aggregations, window functions. Self-serve on retention, churn, and cohort queries without relying on a Data team;
• Product Analytics (Amplitude or similar): Build funnels, cohort analyses, retention charts, and behavioral segments. Own the product analytics lens end-to-end;
• Google Sheets (advanced): Pivot tables, INDEX-MATCH, charting. You will own the product scorecard and key trackers - this is a daily tool, not a nice-to-have;
• Jira + Confluence: Manage backlog, write specs, track delivery - standard PM tooling;
• APIs & Webhooks (conceptual): Read API documentation, understand REST endpoints and webhook events. Able to have technical conversations with Engineering without hand-holding;
• Figma (read/navigate): Review designs, leave precise feedback, understand component libraries. You don't need to design - you need to give sharp, actionable feedback;

Soft Skills:

• Strong analytical mindset - the gap between a PM who talks about data and one who lives in data is the hiring filter here;
• Excellent communication skills to align technical and business stakeholders on a shared vision;
• Results-driven with full ownership of product KPIs and the ability to manage technical execution in scalable environments.

Hiring Process:

1. A chat with one of our Talent Acquisition team members;
2. An in-depth discussion with the Hiring Manager to explore your business acumen in the product world;
3. A practical task to test your hard skills, followed by a presentation to our team;
4. A final meeting with Simone, our CEO, to discuss our vision and core values.

The Mission

We are looking for a motivated and curious Credit Risk Analyst to join our Credit Risk team and help protect Scalapay, its customers and merchants from credit risk. 

In this role, you’ll play a key part in monitoring and improving the quality of our credit portfolio, identifying risk patterns, and contributing to strategies that reduce credit losses while maintaining a seamless customer experience. You’ll work closely with Data Scientists, Product Managers, Engineers, and Fraud specialists, with real exposure to decision-making and measurable impact on the product.

What You’ll Do

• Monitor and analyze the credit portfolio through data-driven studies, statistical analyses, and reporting.
• Track portfolio performance and trends across customers and merchants, contributing to forecasting and risk insights.
• Oversee and enhance application processing and credit scoring processes, monitored internally at high frequency and developed in collaboration with specialized external providers.
• Leverage Credit Bureau (SIC) data and indicators to support credit decisions and portfolio monitoring.
• Collaborate with the Fraud Management team to detect and prevent emerging fraud patterns and anomalies across the credit lifecycle.
• Contribute to the evolution of credit risk strategies in a fast-growing BNPL environment.
  
  

Who We're Looking For:

Must Have

• A bachelor’s degree in Mathematics, Statistics, Economics, or a related quantitative field.
• Hands-on experience with credit scoring models, tools, and methodologies.
• Strong proficiency in SQL for data extraction and analysis.
• Experience or working knowledge of AWS-based tools (e.g. SageMaker, Feast (open source of Tecton), Amazon QuickSight).
• A solid understanding of credit risk management in financial services, payments, or e-commerce.
• Strong analytical and problem-solving skills, with attention to detail.
• Ability to work effectively in a fast-paced, cross-functional environment.
• Strong written and verbal communication skills in English.
  
  

Nice to Have

• Experience with Python, SAS, R, or similar tools for data analysis.
• Previous exposure to consumer credit markets, particularly in credit risk or application processing.
  
  

 Why you should join Scalapay:

• A high-impact role in a leading BNPL fintech, where your work directly influences product performance.
• Exposure to the entire credit lifecycle, from application to portfolio monitoring.
• Daily collaboration with highly skilled, cross-functional teams.
• Opportunities for professional growth, ownership, and technical development in a dynamic environment.

Recruitment Process:

1. An initial chat with our Talent Team
2. The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation
3. Interview with our Chief Risk Officer
4. A case study to test your attitude and hard skills
5. A final chat with Simone, our CEO

The Mission:

Scalapay is a regulated Payment Institution providing Buy Now, Pay Later (BNPL) services across European markets. As a fast-growing fintech operating under strict compliance requirements (DORA, PCI-DSS, GDPR), we serve millions of customers and thousands of merchants across Italy, France, and other European countries.

The Director of Payments will lead Scalapay's payment strategy and commercial operations, driving optimization across our multi-processor payment infrastructure and banking relationships. Reporting to the CTO and have a matrix reporting relationship to the CEO of Scalapay IP (our regulated entity), this role will focus on payment economics, vendor negotiations, and strategic partnerships while collaborating closely with the Payment Domain engineering team. This is a strategic and commercial role focused on maximizing payment performance, minimizing costs, and building the financial infrastructure to support our consumer lending expansion.

Key Responsibilities:

Payment Strategy & Economics

• Define and execute payment strategy to maximize authorization rates while minimizing costs
• Own payment economics including processor fees, interchange optimization, and cost attribution
• Develop business cases and ROI analysis for payment initiatives and infrastructure investments
• Lead strategic decisions on payment routing, processor selection, and payment method expansion
• Drive payment performance analytics and KPI reporting to executive team
• Identify and evaluate emerging payment technologies and market opportunities

Commercial Management & Negotiations

• Lead commercial negotiations with payment processors on pricing, terms, and SLAs
• Manage payment vendor relationships and contract renewals
• Negotiate interchange fees, scheme fees, and processing rates
• Build business cases for processor additions, changes, or consolidations
• Drive cost optimization initiatives across payment stack (target: 5-10% reduction annually)
• Establish and manage payment vendor governance and performance reviews

Core Banking & Settlement Strategy

• Define merchant payout strategy leveraging SEPA rails and core banking platform
• Optimize settlement economics including timing, costs, and working capital impact
• Lead core banking platform vendor relationship and commercial optimization
• Support loan securitization from a payment and settlement infrastructure perspective
• Drive treasury efficiency through improved settlement processes and reconciliation
• Partner with Finance on payment operations P&L management

Banking Relationships & Infrastructure

• Build and maintain relationships with banking partners supporting SEPA operations
• Lead strategic decisions on banking infrastructure and correspondent banking relationships
• Support securitization facility requirements with robust payment reporting and operations
• Navigate EU banking ecosystem (TARGET2, EBA Clearing) for optimal payment execution
• Drive compliance with SEPA scheme rules and EU banking regulations
• Represent Scalapay in banking industry forums and with financial institution partners

Stakeholder Management & Leadership

• Partner with Product, Business, and Commercial teams on payment strategy alignment
• Provide regular updates to CTO and executive team on payment performance and commercial opportunities
• Represent payment function in board and investor discussions
• Lead cross-functional initiatives requiring payment expertise (e.g., securitization, market expansion)
• Communicate complex payment economics and trade-offs to non-technical stakeholders
• Build internal knowledge and capability around payment operations and economics

Required Qualifications

Experience

• 10+ years in payments, fintech, or financial services with progressive responsibility
• 5+ years in strategic/commercial payment roles (payment strategy, vendor management, business development)
• Proven track record leading commercial negotiations with payment processors and banking partners
• Experience managing multi-million dollar payment budgets and P&L responsibility
• Direct experience with regulated financial services environments (Payment Institution, Bank, EMI)
• History of driving payment optimization and cost reduction initiatives
• Experience supporting securitization or asset-backed lending operations (preferred)
• Background in strategy consulting, investment banking, or corporate development (bonus)

Commercial & Strategic Expertise

• Deep understanding of payment economics including interchange, scheme fees, and processing costs
• Expert knowledge of payment processor commercial models and pricing structures
• Strong financial acumen with ability to build business cases and ROI models
• Experience with commercial negotiations and contract management
• Understanding of banking relationships and correspondent banking arrangements
• Knowledge of treasury operations and working capital optimization
• Experience with vendor management and performance governance frameworks

Technical Understanding (Strategic Level)

• Strong grasp of payment processing architecture, card networks, and payment orchestration
• Understanding of payment security standards (PCI-DSS, 3DS, tokenization) and regulatory implications
• Familiarity with payment APIs, integration patterns, and processor capabilities
• Knowledge of core banking platforms and loan servicing systems architecture
• SEPA payment expertise including SEPA Credit Transfer (SCT), Instant SEPA (SCT Inst), and Direct Debit (SDD)
• Understanding of loan securitization processes and technical requirements for asset-backed facilities
• Knowledge of ISO 20022 messaging standards and EU banking infrastructure
• Ability to evaluate technical trade-offs and provide strategic direction (hands-on engineering not required)

Leadership & Influence Skills

• Strong executive presence with ability to influence senior stakeholders and board members
• Excellent negotiation skills with track record of securing favorable commercial terms
• Strategic thinking with ability to connect payment decisions to business outcomes
• Data-driven decision making with strong analytical and financial modeling capabilities
• Comfortable with ambiguity and rapid change in high-growth environment
• Collaborative leadership style with ability to work effectively across functions
• Strong business acumen and commercial instincts
• Ability to build and maintain relationships with external partners (processors, banks, vendors)

European Market Knowledge

• Understanding of European payment landscape and local payment methods
• Deep knowledge of SEPA scheme rules and EU banking ecosystem (TARGET2, EBA Clearing)
• Familiarity with European financial services regulation
• Experience working with Banque de France, PRA, or similar regulators (preferred)
• Understanding of securitization frameworks and asset-backed lending structures in EU
• Language skills: English required, Italian or French preferred

Why you should join Scalapay:

• International environment with significant challenges to be met every day
• Lots of opportunities to work with a team of industry leaders who are focused on delivering products that offer exceptional user experiences
• Personalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow!
• Latest technologies and being encouraged to bring your flair to the role.

Recruitment process:

1. A  chat with someone from our Talent Team
2. First interview with the CTO to deep dive into your experiences, better understand your motivation and and explore your business acumen in the product world
3. A case study to prepare at home to test your hard skills, and present to our team.
4. A final chat with Simone, our CEO, that will share our vision and values with you

THE MISSION
As Head of Account Management, you will own the relationship with our top merchants as well as leading and managing a team of (K)AM, reporting directly to the VP of Growth. This is a hands-on management position with the goal of leading by example, while structuring best practices, processes, reporting and KPI. Your purpose is positioning Scalapay’s services and performances in front of C-Levels, while applying BNPL strategically into the merchant’s customer lifecycle. You are here to build what account management looks like, as Scalapay evolves its services and products.

You will: 

• Manager Key Strategic Merchants in Scalapay's portfolio. This enables you to build deep knowledge of Scalapay and to establish your credibility;
• Heavy focus on strategic oversights to grow Key Accounts success in the region through best practices;
• Coach, train, and mentor a team of 3,4 (K)AMs focusing on their personal and professional development. You define the account portfolio, set the individual targets and track impact. You define action plans to reach individual and team targets;
• Retain merchants with a strong focus on containing churn and increasing margins, ensuring the relationship is strong and business KPIs are met;
• Lead proactive stakeholder management and relationship building with C-Level for yourself and the Team with a minimum of 30% travelling time;
• Consult our merchants on how to increase customer LTV while reducing CAC, applying BNPL strategically into their sales and marketing practices.

 WHO WE'RE LOOKING FOR 

• You have 10+ years of professional experience in Account Management, and 4+ years of experience in team management;
• You have experience with Enterprise clients, defined as multi-stakeholder management in management oriented organizations;
• You have a relevant experience in a fast-paced tech environment;
• You have a proven track record on commercial success (renegotiating/upselling/cross selling at enterprise level);
• You are fluent in Italian and in English;
• As the team is based in Milan, we are looking for someone that can easily be present and based in our Milan office.

Nice to Have

• Experience in a tech startup/scaleup;
• Experience in marketing and sales consulting;
• Experience in the payment/fintech industry;
• Experience in the Retail/eCommerce/Travel.

Why you should join Scalapay:

• Attractive packages based on skills and experience;
• International environment with significant challenges to be met every day;
• Lots of opportunities to work with a team of industry tech leaders who are focused on delivering products that offer exceptional user experiences;
• Personalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow!
• Latest technologies and being encouraged to bring your flair to the role.

Hiring process

1. A quick chat with one of our Talent Acquisition team members;
2. A first interview with the VP Growth to deep dive into your attitude and motivation;
3. A case study to test your hard skills, that will be debriefed with your Manager and VP Growth;
4. A final chat with Simone (our CEO) where he will share and assess the Scalapay Values.

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