Questa posizione è in Scalapay

Il processo di selezione sarà interamente gestito Scalapay.

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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:** As a **Risk Data Scientist,** you will **own the design, implementation, and oversight of credit & fraud model and reporting**. This is a **high-impact role** where you will collaborate with cross-functional teams to align on **product and risk strategy** changes to understand impact on loss performance and approval rates. This role will **ensure accurate projections of portfolio performance, early detection of risk trends, and actionable insights to drive business decisions**. **WHAT YOU WILL DO:** **Risk Modelling & Portfolio Analytics** * Develop, implement, and maintain Credit Risk & Fraud models across the BNPL & Lending portfolio. * Build analytical tools and produce analysis to find Risk & Losses drivers. * Monitor approval rates, fraud & credit performance and recovery trends. * Build scalable BI dashboards **Business Intelligence & Reporting** * Own the design, automation, and delivery of Risk models & BI reporting for leadership and stakeholders. * Partner with cross functional areas like Finance, payments,



product risk to provide data-driven insights into credit losses, profitability, and risk-adjusted returns. * Ensure regulatory and management reporting requirements are met with high accuracy. **Cross-Functional Collaboration** * Work closely with credit risk, data science, finance, and product teams to align loss assumptions with pricing, provisioning, and strategic planning. * Communicate findings and recommendations to senior leadership and external stakeholders (e.g., auditors, regulators, investors). **Risk Governance** * Contribute to credit policy development by identifying emerging risks and recommending mitigation strategies. * Support provisioning under IFRS9 or equivalent regulatory frameworks. * Ensure data integrity, consistency, and strong governance across risk reporting processes. * Provide scenario analyses and stress testing to anticipate potential risks under different macroeconomic environments. **WHO WE ARE LOOKING FOR:** * Holder of a **Master’s degree in Finance, Economics, Statistics, Data Science**, or related field. Advanced degree preferred. * **4+ years in risk management, data science, or risk modelling**, preferably in **fintech, BNPL, or consumer lending or advanced analytics consulting**. * Proven track record in **developing loss risk models** and reporting processes. * Proficiency in **SQL, R,



Python** for data analysis and modeling. * Proficiency in **AI** for analytical and modeling. * Strong analytical and problem-solving mindset. * Excellent communication skills with an ability to simplify complex data into actionable insights * High attention to detail and strong ownership of deliverables. * Exceptional communication skills in English, both written and verbal, to effectively convey complex ideas to diverse audiences. **WHY YOU SHOULD JOIN SCALAPAY:** * Attractive packages based on skills and experience - the salary band we have for this position is of 45'000-50'000 € (Gross Annual Salary) * International environment with significant challenges to be met every day * Lots of opportunities to work with a team of industry tech leaders who are focused on delivering products that offer exceptional user experiences * Personalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow! * Latest technologies and being encouraged to bring your flair to the role. **OUR HIRING PROCESS:** 1. An initial chat with our Talent team 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](link), our [LinkedIn](link) and [Glassdoor](link) 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.

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[#J-MIN]

📌 Risk Data Scientist (Milano)
🏢 Scalapay
📍 Milano