Credit Risk Analyst

At Scalapay, we’re shaping a culture with high standards, independent and critical thought, innovation, ownership, and continuous learning. We operate in a fast-moving, tech-driven environment, and we’re looking for people who thrive in change, think boldly, and take initiative.

If you’re ready to put your potential to the test in a hiring process designed to spotlight exceptional talent, this is your chance to stand out and grow with one of Europe’s most ambitious fintech teams.

#MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.

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:

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

Want to learn more? Don't hesitate to explore our Careers website, our LinkedIn and Glassdoor pages.

Pro tip: send your CV in English 😉

Super Pro tip: we know that application processes can be scary and frustrating but… we look for talent, not people that tick all our boxes.