--- title: "Risk Data Scientist" company: "Scalapay" company_url: "https://www.remjobs.works/companies/scalapay" url: "https://www.remjobs.works/job/scalapay-risk-data-scientist-6d7a77e0-0a81-4d2d-8558-eb291f92ee92" apply_url: "https://job-boards.eu.greenhouse.io/scalapaysrl/jobs/4973323101" workplace: onsite location: "Milan, Italy" employment_type: unspecified seniority: mid role: data region: europe skills: ["python", "sql"] date_posted: 2026-09-15T08:03:52.000Z first_seen_by_remjobs: 2026-09-15T18:13:12.824Z --- # Risk Data Scientist **Scalapay** · Milan, Italy Apply: https://job-boards.eu.greenhouse.io/scalapaysrl/jobs/4973323101 ## About Scalapay Receive your order now. Enjoy it and take your time to pay little by little. ## About the role ** ** 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 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:** 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 Want to learn more? Don't hesitate to explore our [Careers website](https://www.scalapay.com/careers), our [LinkedIn](https://www.linkedin.com/company/scalapay/life/6dc706ba-9e50-4729-86a3-442e9a95f47d/) and [Glassdoor](https://www.glassdoor.fr/Overview/Working-at-Scalapay-EI_IE3872173.11,19.htm?countryRedirect=true) pages. ***Pro tip:*** send your CV in English 😉 ***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. --- Source: Scalapay's own career page, read by RemJobs. Canonical HTML version: https://www.remjobs.works/job/scalapay-risk-data-scientist-6d7a77e0-0a81-4d2d-8558-eb291f92ee92