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.
• Our compensation packages are based on skills, qualification and experience - the salary band we have for this position is an Overall Total Earning between 35'000€ and 45’000€

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