TL;DR

Credit Risk Analyst (Fintech): Monitoring and improving the quality of Scalapay's credit portfolio, identifying risk patterns, and contributing to strategies to reduce credit losses. Focus on data-driven studies, statistical analyses, and enhancing credit scoring processes.

Location: Onsite in Milan, Italy

Company

Scalapay is a leading Buy Now Pay Later (BNPL) fintech company in Europe.

What you will 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, developed in collaboration with 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.
  • Contribute to the evolution of credit risk strategies in a fast-growing BNPL environment.

Requirements

  • 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, Amazon QuickSight).
  • Solid understanding of credit risk management in financial services, payments, or e-commerce.
  • 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.

Culture & Benefits

  • High-impact role where 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.

Hiring process

  • Initial chat with the Talent Team.
  • First interview with the Hiring Manager.
  • Interview with the Chief Risk Officer.
  • Case study to test attitude and hard skills.
  • Final chat with the CEO.