Hybrid Credit Risk Data Scientist — Milan

Scalapay; Milano; Ibrido; EUR 45.000 - 50.000; Tempo pieno

Vantaggi offerti da questo lavoro

Salary: €45k-€50k gross annually

Descrizione del lavoro

Scalapay in Milan is seeking a Risk Data Scientist to own the design, implementation, and oversight of credit and fraud models. The role collaborates with cross-functional teams to align product and risk strategy with portfolio performance and loss metrics.

The position emphasizes building BI dashboards, regulatory reporting, and data-driven insights across Finance, Payments, and Product Risk, with IFRS9 provisioning support and a strong focus on English communication.

Competenze

• Master’s degree or higher in a relevant field
• 4+ years in risk/ data science or risk modelling
• Proficiency in SQL, R, Python for data analysis and modeling
• Experience in fintech/ BNPL or consumer lending is a plus
• Strong analytical and problem-solving mindset
• Excellent communication skills in English

Mansioni

• Develop, implement, and maintain Credit Risk & Fraud models across BNPL & Lending portfolio
• Build analytical tools and produce analysis to find risk and losses drivers
• Monitor approval rates, fraud, credit performance and recovery trends
• Build scalable BI dashboards
• Own the design, automation, and delivery of Risk models & BI reporting for leadership and stakeholders
• Partner with Finance, payments, and product risk to provide data-driven insights into losses, profitability, and risk-adjusted returns
• Ensure regulatory and management reporting requirements are met with high accuracy
• Work with credit risk, data science, finance, and product teams to align loss assumptions with pricing and provisioning
• Communicate findings to senior leadership and external stakeholders
• Contribute to credit policy by identifying emerging risks and mitigation strategies
• Support provisioning under IFRS9 or equivalent frameworks
• Ensure data integrity and governance across risk reporting processes
• Provide scenario analyses and stress testing for macroeconomic environments

Conoscenze

Analytical mindset

Communication skills

English proficiency

Formazione

Master’s degree in Finance, Economics, Statistics, Data Science

Strumenti

SQL

R

Python

AI

Descrizione del lavoro

Scalapay in Milan is seeking a Risk Data Scientist to own the design, implementation, and oversight of credit and fraud models. The role collaborates with cross-functional teams to align product and risk strategy with portfolio performance and loss metrics.

The position emphasizes building BI dashboards, regulatory reporting, and data-driven insights across Finance, Payments, and Product Risk, with IFRS9 provisioning support and a strong focus on English communication.