Risk Data Scientist

ppAt Scalapay, we’re shaping a bculture /b with high standards, independent and critical thought, binnovation, ownership, and continuous learning /b. We operate in a bfast-moving, tech-driven environment /b, and we’re looking for people who bthrive in change, think boldly, and take initiative /b. /p pIf you’re ready to bput your potential to the test /b in a hiring process designed to spotlight exceptional talent, this is your chance to stand out and grow bwith one of Europe’s most ambitious fintech teams /b. /p p#MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer. /p h3THE MISSION: /h3 pAs a bRisk Data Scientist /b, you will bown the /b bdesign, implementation, and oversight of credit fraud model and reporting /b. This is a bhigh-impact role /b where you will collaborate with cross-functional teams to align on bproduct and risk strategy /b changes to understand impact on loss performance and approval rates. /p pThis role will bensure /b baccurate projections of portfolio performance, early detection of risk trends, and actionable insights to drive business decisions /b. /p h3WHAT YOU WILL DO: /h3 ul liDevelop, implement, and maintain Credit Risk Fraud models across the BNPL Lending portfolio. /li liBuild analytical tools and produce analysis to find Risk Losses drivers. /li liMonitor approval rates, fraud credit performance and recovery trends. /li liBuild scalable BI dashboards /li /ul h3Business Intelligence Reporting /h3 ul liOwn the design, automation, and delivery of Risk models BI reporting for leadership and stakeholders. /li liPartner with cross functional areas like Finance, payments, product risk to provide data-driven insights into credit losses, profitability, and risk-adjusted returns. /li liEnsure regulatory and management reporting requirements are met with high accuracy. /li /ul h3Cross-Functional Collaboration /h3 ul liWork closely with credit risk, data science, finance, and product teams to align loss assumptions with pricing, provisioning, and strategic planning. /li liCommunicate findings and recommendations to senior leadership and external stakeholders (e.g., auditors, regulators, investors). /li liContribute to credit policy development by identifying emerging risks and recommending mitigation strategies. /li liSupport provisioning under IFRS9 or equivalent regulatory frameworks. /li liEnsure data integrity, consistency, and strong governance across risk reporting processes. /li liProvide scenario analyses and stress testing to anticipate potential risks under different macroeconomic environments. /li /ul h3WHO WE ARE LOOKING FOR: /h3 ul liHolder of a bMaster’s degree in Finance, Economics, Statistics, Data Science /b, or related field. Advanced degree preferred. /li lib4+ years in risk management, data science, or risk modelling /b, preferably in bfintech, BNPL, or consumer lending or advanced analytics consulting /b. /li liProven track record in bdeveloping loss risk models /b and reporting processes. /li liProficiency in bSQL, R, Python /b for data analysis and modeling. /li liProficiency in bAI /b for analytical and modeling. /li liStrong analytical and problem-solving mindset. /li liExcellent communication skills with an ability to simplify complex data into actionable insights /li liHigh attention to detail and strong ownership of deliverables. /li liExceptional communication skills in English, both written and verbal, to effectively convey complex ideas to diverse audiences. /li /ul h3WHY YOU SHOULD JOIN SCALAPAY: /h3 ul liAttractive packages based on skills and experience - the salary band we have for this position is of 45'000-50'000 € (Gross Annual Salary) /li liInternational environment with significant challenges to be met every day /li liLots of opportunities to work with a team of industry tech leaders who are focused on delivering products that offer exceptional user experiences /li liPersonalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow! /li liLatest technologies and being encouraged to bring your flair to the role. /li /ul h3OUR HIRING PROCESS: /h3 ul liAn initial chat with our Talent team /li liThe first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation /li /ul pbSuper Pro tip: /b we know that application processes can be scary and frustrating but… we look for talent, not people that tick all our boxes. /p pPlease note that only candidates with a legal working status in Italy will be considered as we do not provide any sponsorship. Are you currently legally able to work in Italy? /p pWe're lucky to receive a lot of CVs so we pay a lot of attention to what you share here: this is your chance to stand out with evidence, proof points and numbers /p pAs we work in hybrid mode, we expect our employees to work from our Milan office a minimum of 3 days per week and 2 days in remote. /p /p #J-18808-Ljbffr