At Scalapay, we're shaping aculturewith high standards, independent and critical thought,innovation, ownership, and continuous learning.
We operate in afast-moving, tech-driven environment, and we're looking for people whothrive in change, think boldly, and take initiative.
Non si lasci sfuggire questa possibilità: si candidi rapidamente se la sua esperienza e le sue competenze corrispondono a quanto descritto di seguito.
If you're ready toput your potential to the testin a hiring process designed to spotlight exceptional talent, this is your chance to stand out and growwith one of Europe's most ambitious fintech teams.
#MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.
THE MISSION:
As aRisk Data Scientist,you willown thedesign, implementation, and oversight of credit& fraud model and reporting.
This is ahigh-impact rolewhere you will collaborate with cross-functional teams to align onproduct and risk strategychanges to understand impact on loss performance and approval rates.
This role willensureaccurate 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 aMaster'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 infintech, BNPL, or consumer lending or advanced analytics consulting.
Proven track record indeveloping loss risk modelsand reporting processes.
Proficiency inSQL, R, Pythonfor data analysis and modeling.
Proficiency inAIfor 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 SHOULDN'T JOIN SCALAPAY:
Attractive packages based on skills and experience - the salary band we have for this position is of 45'******'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! xysqume
Latest technologies and being encouraged to bring your flair to the role.
OUR HIRING 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
A case study to test your hard skills
A final chat with Simone, our CEO
#J-*****-Ljbffr

📌 Risk Data Scientist (Bardi)
🏢 Scalapay
📍 Bardi