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 . #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. 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.