Credit Risk Data Analyst — Own Portfolio Decisions

Scalapay S.R.L.; Barcelona; On-site; EUR 32,000 - 44,000; Full time

Benefits offered by this job

Salary band 32.000 - 44.000 EUR

Job summary

Scalapay in Barcelona seeks a Credit Risk Data Analyst to own portions of the credit portfolio, collaborating with CRO, Data Science and Data Engineering. You’ll shape risk decisions across European customers and merchants, delivering end-to-end projects and building the data-driven decisioning engine that powers growth in BNPL markets.

You’ll join a fast-moving, tech-driven fintech team focused on rigorous analytics, risk modeling, and portfolio performance, with a mandate to scale responsibly

Qualifications

• A degree in engineering, physics, computer science, mathematics, statistics, economics or another quantitative field, or equivalent demonstrated quantitative ability.
• 3+ years in an analytical role where your output drove decisions.
• Strong SQL. You use it every day, you're comfortable with complex joins and window functions, and you can read someone else's query and work out why two numbers disagree.
• Some exposure to Python, at work or in your own projects. You can read a pandas script and adapt it to get to a result. You don't need to be a software engineer.
• Proactivity and technical curiosity. Our domain is technical: decisions live in code, configs and pipelines, and the people who do well here go and look at how things work rather than waiting to be told.
• Clear communication. You can explain a complex analysis to different audiences, from Commercial to leadership, and you can stand behind your conclusions.
• Fluent English (B2+ level). We use it on a daily basis and this is our global internal language.

Responsibilities

• Manage the credit strategy of a consumer portfolio built on millions of customers and thousands of merchants across multiple European countries: how much we extend, to whom and through which merchants.
• Review merchants and segments, decide where the portfolio should be adjusted, and make it happen.
• Take credit decisions from analysis to production. Rules, credit limits, thresholds: propose the change, size it, test it, ship it, and measure what happened.
• You take the decisions, not only prepare them. You'll hold a clear mandate on merchant and portfolio decisions from the start, with the team behind you and room to grow it.
• Build the monitoring that tells us whether the portfolio and our decisions are doing what we expect, with risk-adjusted profitability as the organising metric.
• Monitor the portfolio across customers, merchants and countries, and dig into what's moving before it turns into losses.
• Build the team's knowledge base as you go: the decisions we take, the changes we ship and the reasoning behind them.
• Work with Data Science and Data Engineering on the models, features, pipelines and data that feed our decisions. We're aiming for a self-sufficient team on the data stack.
• Work with the rest of the Risk function, Fraud included, on the patterns that drive losses and what to do about them.
• As you settle in, you'll take on a project of your own end to end.

Skills

Strong SQL

Python exposure

Clear communication

Fluent English

Proactivity

Education

Quantitative degree

Tools

Git

dbt

CI/CD

Job description

Scalapay in Barcelona seeks a Credit Risk Data Analyst to own portions of the credit portfolio, collaborating with CRO, Data Science and Data Engineering. You’ll shape risk decisions across European customers and merchants, delivering end-to-end projects and building the data-driven decisioning engine that powers growth in BNPL markets.

You’ll join a fast-moving, tech-driven fintech team focused on rigorous analytics, risk modeling, and portfolio performance, with a mandate to scale responsibly