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  .
#Make It Happen  #PlayAsATeam #Stay Curious #Focus On Customer .
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. Sage Maker, Feast (open source of Tecton), Amazon Quick Sight).
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:
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 Linked In 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.

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