Sr Credit Risk Decision Analyst Milan, Italy

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.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 MissionWe' re looking for an experienced Credit Risk Decision Analyst to help us shape and scale our credit strategy and portfolio performance across markets.The role will be based in Milan, where we expect you to be in our office 3 days per week while the other 2 can be worked remotely.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 lifecycleMonitor and report on portfolio performance, identifying drivers of loss and mitigation actionsRun initiatives to reduce credit losses while enabling sustainable growth, including strategy testing (A/B testing, champion/challenger) and optimization to continuously improve strategiesCollaborate with Product, Data, and Tech teams to ensure credit policies and risk mitigation practices are embedded in all new features and launchesBuild and maintain robust data pipelines, dashboards, and performance reports to inform business decisionsServe as a key voice in defining risk appetite and credit policies across marketsContribute to broader risk governance, compliance, and regulatory reporting processesRefine risk models, decision logics, and scoring rules using internal and external dataWho We're Looking For:Must Have:A completed degree (BS level and above) in engineering, statistics, data science, mathematics, finance or related2+ yearsof experience inrisk management, preferably withincredit risk for fintech or consumer lending(BNPL experience is a plus)Proficient inSQLandPythonfor data analysis, modeling, and process automationSkilled in designing and maintaining insightfuldashboardsand reporting tools to support decision-making and performance trackingAbility toturn complex data into actionable strategy with measurable business impactStrongcommunication skillsand the ability to influence cross-functional stakeholdersFluent in English(Strong B2–C1 written and spoken) and a collaborative, fast-paced working styleNice to Have:BNPL or short-term credit experienceExperience launching risk strategies across multiple countriesFamiliarity with credit bureau data, alternative data sources, and regulatory environmentsWhy you should join Scalapay:A competitive package based on your experience and impactA high-growth environment with real ownership and autonomyThe opportunity to help shape the credit engine behind one of Europe's most exciting fintechsWork with smart, driven people on meaningful challenges across Product, Data, and TechLearn from experienced leaders and grow your careerAccess to the latest technologies, flexible working, and a strong focus on personal developmentRecruitment Process:A quick chat with one of our Talent Acquisition team membersA first interview with the hiring manager to deep dive into your experiences and better understand your motivationA case study to test your hard skills, that will be debriefed with a panel of future internal stakeholders including our Chief Risk OfficerA final chat with Simone (our CEO) to assess your motivation and cultural fitSuper 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.#J-*****-Ljbffr