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 quant

📌 Credit Risk Analyst (Italia)
🏢 Scalapay
📍 Italia