About the role

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.

Skills & Tags

python rust aws ai data product design

Aplyr's read

Scalapay is a dynamic fintech firm revolutionizing consumer purchasing with its BNPL solutions, attracting professionals in compliance, product management, and international sales.
Synthesized from recent postings & public sources

What's promising

•Scalapay's BNPL model taps into the growing consumer demand for flexible payment options.
•The company is expanding rapidly, hiring across multiple roles and markets.
•Scalapay offers opportunities in diverse fields, from compliance to growth marketing.

What to watch

•The BNPL sector faces increasing regulatory scrutiny, which could impact operations.
•Scalapay operates in a highly competitive market with numerous established players.
•Economic downturns could affect consumer spending and Scalapay's business model.

Why Scalapay

•Scalapay focuses on the European market, offering localized roles for language-specific sales.
•The company integrates seamlessly with merchants, enhancing the retail experience.
•Scalapay's approach allows consumers to manage cash flow without traditional credit.

Aplyr’s read is generated by AI from public sources. Was it useful?

About Scalapay

Scalapay

scalapay.com

View company

Scalapay is a financial technology company that offers a buy now, pay later (BNPL) solution, allowing consumers to make purchases and pay for them in installments.