Credit Risk Director

Thanks to our innovative BuyNow PayLater payment solution, Scalapay is transforming the way more than 6.5 million customers buy online and in-store, empowering 8,000+ merchants (online and in-store) to give their customers magical shopping experiences. 

Being only 3 years old didn’t stop us from becoming a unicorn 🦄 We have raised over $700mln and we did this thanks to a team built around our 4 core values: #MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.

This is where your magic happens. If you love it, Scalapay it ♥

The Mission:

As a Credit Risk Director, you will lead the design, implementation, and oversight of credit risk frameworks tailored for long-term installment products. This is a high-impact role where you will collaborate with cross-functional teams to align product offerings with robust risk management strategies, ensuring profitability and compliance in a fast-evolving financial landscape.

What you Will Do:

• Credit Risk Strategy: Develop and implement credit risk policies and frameworks for long-term installment products, aligning with business goals and regulatory requirements.
• Product Rollout Leadership: Partner with product, data, and operations teams to design and launch long-term installment credit products, ensuring risk mitigation strategies are embedded from the start.
• Portfolio Management: Monitor portfolio performance, identify risk trends, and develop strategies to optimize credit risk exposure while maintaining customer satisfaction.
• Data-Driven Decision Making: Utilize advanced analytics and credit scoring models to assess and predict customer risk profiles, ensuring data integrity and accuracy.
• Regulatory Compliance: Ensure all credit products and processes comply with local and international regulatory standards.
• Stakeholder Collaboration: Work closely with internal stakeholders (product, engineering, finance) and external partners (credit bureaus, regulatory bodies) to align risk strategies with operational and market needs.
• Team Leadership: Build and mentor a team of risk professionals to support the growth and sustainability of credit products.

Who we are looking for:

• Bachelor’s or Master’s degree in Finance, Economics, Business, or a related field.
• Proven experience (5+ years) in credit risk management, preferably in the BNPL, fintech, or consumer lending industries.
• Strong knowledge of credit scoring models, risk assessment tools, and portfolio management strategies.
• Familiarity with regulatory frameworks in the financial services sector.
• Exceptional analytical skills with proficiency in tools such as SQL, Python, R, or similar data analysis platforms.
• Excellent communication and leadership skills, with the ability to work collaboratively across teams.
• Experience in launching and scaling credit products is highly desirable.

Hiring Process:

1. A quick chat with one of our Talent Acquisition team members
2. The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation
3. A case study to test your hard skills
4. 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.

We believe in the power of diversity: Scalapay is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.