Risk Data Scientist

Scalapay S.R.L.; Lombardia; On-site; EUR 45,000 - 50,000; Full time

Benefits offered by this job

International environment

Career growth opportunities

Competitive salary

Job summary

Scalapay S.R.L. is seeking a Risk Data Scientist to own design, implementation and oversight of credit and fraud models. You’ll partner with cross-functional teams to align product and risk strategy, monitor performance, and deliver actionable insights to drive decisions.

Strong analytics and communication skills are required; English fluency is essential, with a fintech focus. Join a fast-moving, tech-driven environment that values innovation, ownership, and continuous learning, and contribute

Qualifications

• Master’s degree in Finance, Economics, Statistics, Data Science or related field.
• Strong proficiency in SQL, Python and R for data analysis and modeling.
• Experience with AI in analytical/modeling contexts.
• Proven track record in credit risk and fraud modeling is a plus.

Responsibilities

• Develop, implement, and maintain Credit Risk and Fraud models across BNPL and Lending portfolios.
• Build dashboards and BI reporting to monitor risk and performance.
• Collaborate with Finance, Payments, and Product Risk to provide data-driven insights.
• Ensure regulatory and management reporting requirements are met with accuracy.

Skills

SQL

Python

R

AI

Education

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

Job description

At Scalapay, we’re shaping a culture with high standards, independent and critical thought, innovation, ownership, and continuous learning. We operate in a fast-moving, tech-driven environment , and we’re looking for people who thrive 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 MISSION:

As a Risk Data Scientist, you will own the design, implementation, and oversight of credit & fraud model and reporting. This is a high-impact role where you will collaborate with cross-functional teams to align on product and risk strategy changes to understand impact on loss performance and approval rates.
This role will ensure accurate 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 a Master’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 in fintech, BNPL, or consumer lending or advanced analytics consulting.
• Proven track record in developing loss risk models and reporting processes.
• Proficiency in SQL, R, Python for data analysis and modeling.
• Proficiency in AI for 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 45’000-50’000 € (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!
• Latest technologies and being encouraged to bring your flair to the role.

OUR HIRING PROCESS:

1. An initial chat with our Talent team
2. The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation
3. A case study to test your hard skills
4. A final chat with Simone, our CEO