What we do

Join a team of passionate and hard working entrepreneurs to transform healthcare! Working in the tech team at Doctolib involves building innovative products and features to improve the daily lives of care teams and patients. We work in feature teams in an agile environment, while collaborating with product, design, and business teams.

What you'll do

We are looking for a Senior Software Engineer to join the team in our Milan's tech hub: your mission will be working on the Continuity of Care technology.

You will work with the team to extract the Patient Base Capability from the monolith to an isolated service and to add new functionalities to the doctor-to-patients communication engine.

We're looking for an all round role: you will help build the product with our Product Manager, coding, deploying and working with feedback from users. Here's an idea of your daily schedule:

• 60% on designing and implementing new features, according to the roadmap;
• 20% on tech tasks (stability, security, technical debt, you name it!);
• 20% on bug fixes in order to have a healthy platform.

Who you are

If you don’t meet all the requirements below but believe this opportunity matches your expectations and experience, we still encourage you to apply!

• You are comfortable with English, as our team is international;
• You have a solid software development experience, with technologies such as Java, Kotlin, Spring Boot, Ruby on Rails. Your main expertise is on the backend - this will be required for the role;
• You are familiar and have experience working with large distributed systems.

What we offer

• Supplementary health insurance, with the option to include family members in your household
• Partnership for retirement funds with Ciao Elsa
• A flexible workplace policy offering both hybrid and office-based mode
• Electronic meal vouchers (8.00€ per worked day), Foorban fridges, and office breakfast
• Work from abroad for up to 10 days per year thanks to our flexibility days policy
• Parent Care Program: Various initiatives supporting parenthood, including 100% paid parental leave
• Free mental health and coaching services through our partner Moka.care
• For caregivers and workers with disabilities, a package including an adaptation of the remote policy, extra days off for medical reasons, and psychological support
• A partnership with Wellhub, as well as free access to the gym in our Milan office, with 3 classes offered per week (yoga, pilates, functional training)
• Reimbursement of public transportation
• Relocation support in case of international mobility

The interview process

• Recruiter Interview
• Technical Interviews
• Behavioral Interview
• Reference Check and Offer!

Job details

• Permanent position
• Full-time
• Milan, Italy
• Start date: As soon as possible

If you would like to find out more about tech life at Doctolib, feel free to read our latest Medium blog articles!

At Doctolib, we are committed to improving access to healthcare for everyone. This translates into our recruitment process. We evaluate candidates based solely on qualifications and motivation, without any form of discrimination.

The more diverse ideas are heard, the more our product will truly improve healthcare for all. You are welcome to apply to Doctolib, regardless of your gender, religion, age, sexual orientation, ethnicity, disability.

To ensure equal opportunities, we invite you to exclude personal information (e.g. pictures, age) from your applications. If you require any accommodation, please let us know for support during the hiring process. 

Join us in building the healthcare we all dream of!

All information provided is processed by Doctolib for application management. For data processing details, click here. Please contact hr.dataprivacy(at)doctolib.com to exercise your rights (but not for applications).

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