Risk Data Scientist

Scalapay; Milano; In loco; 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

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:

• 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).
• 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 SHOULD 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:

• An initial chat with our Talent team
• The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation

Super Pro tip: we know that application processes can be scary and frustrating but… we look for talent, not people that tick all our boxes.

Please 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?

We'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

As 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.