Credit Risk Decision Analyst

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

We’re looking for an experienced Credit Risk Decision Analyst to help us shape and scale our credit strategy and portfolio performance across markets. 

You’ll go far beyond monitoring – taking ownership of the design and optimization of end-to-end decisioning frameworks that drive smart growth and protect portfolio health, striking the right balance between risk mitigation and business expansion across our BNPL product suite.

Your work will have a direct impact on business performance, helping us strike the right balance between customer experience and credit quality.

You’ll collaborate across Product, Data, Engineering, and Legal to create scalable, data-driven strategies that enable responsible lending, unlock opportunities, and support our expansion into new products and markets.

Key Responsibilities:

• Drive implementation and monitoring of credit risk decision strategies across the entire customer lifecycle
• Monitor and report on portfolio performance, identifying drivers of loss and mitigation actions
• Run initiatives to reduce credit losses while enabling sustainable growth, including strategy testing (A/B testing, champion/challenger) and optimization to continuously improve strategies
• Collaborate with Product, Data, and Tech teams to ensure credit policies and risk mitigation practices are embedded in all new features and launches.
• Build and maintain robust data pipelines, dashboards, and performance reports to inform business decisions
• Serve as a key voice in defining risk appetite and credit policies across markets
• Contribute to broader risk governance, compliance, and regulatory reporting processes
• Refine risk models, decision logics, and scoring rules using internal and external data

Who We're Looking For:

Must Have:

• 2+ years of experience in risk management, preferably within credit risk for fintech or consumer lending (BNPL experience is a plus).
• Proficient in SQL and Python for data analysis, modeling, and process automation.
• Skilled in designing and maintaining insightful dashboards and reporting tools to support decision-making and performance tracking
• Ability to turn complex data into actionable strategy with measurable business impact.
• Strong communication skills and the ability to influence cross-functional stakeholders.
• Fluent in English (written and spoken) and a collaborative, fast-paced working style.

Nice to Have:

• BNPL or short-term credit experience.
• Experience launching risk strategies across multiple countries.
• Familiarity with credit bureau data, alternative data sources, and regulatory environments.

 Why you should join Scalapay:

• A competitive package based on your experience and impact.
• A high-growth environment with real ownership and autonomy.
• The opportunity to help shape the credit engine behind one of Europe’s most exciting fintechs.
• Work with smart, driven people on meaningful challenges across Product, Data, and Tech.
• Learn from experienced leaders and grow your career.
• Access to the latest technologies, flexible working, and a strong focus on personal development.

Recruitment Process:

1. A quick chat with one of our Talent Acquisition team members
2. A first interview with the hiring manager to deep dive into your experiences and better understand your motivation
3. A case study to test your hard skills, that will be debriefed with a panel of future internal stakeholders including our Chief Risk Officer
4. A final chat with Simone (our CEO) to assess your motivation and cultural fit.

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.