Thanks to our innovative BuyNow PayLater payment solution, Scalapay is transforming the way more than 6.5 million customers buy online and in-store, empowering 8,000+ merchants (online and in-store) to give their customers magical shopping experiences.
Being only 3 years old didn’t stop us from becoming a unicorn 🦄 We have raised over $700mln and we did this thanks to a team built around our 4 core values: #MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.
This is where your magic happens. If you love it, Scalapay it ♥
The Mission:
As a Credit Risk Director, you will lead the design, implementation, and oversight of credit risk frameworks tailored for long-term installment products. This is a high-impact role where you will collaborate with cross-functional teams to align product offerings with robust risk management strategies, ensuring profitability and compliance in a fast-evolving financial landscape.
What you Will Do:
- Credit Risk Strategy: Develop and implement credit risk policies and frameworks for long-term installment products, aligning with business goals and regulatory requirements.
- Product Rollout Leadership: Partner with product, data, and operations teams to design and launch long-term installment credit products, ensuring risk mitigation strategies are embedded from the start.
- Portfolio Management: Monitor portfolio performance, identify risk trends, and develop strategies to optimize credit risk exposure while maintaining customer satisfaction.
- Data-Driven Decision Making: Utilize advanced analytics and credit scoring models to assess and predict customer risk profiles, ensuring data integrity and accuracy.
- Regulatory Compliance: Ensure all credit products and processes comply with local and international regulatory standards.
- Stakeholder Collaboration: Work closely with internal stakeholders (product, engineering, finance) and external partners (credit bureaus, regulatory bodies) to align risk strategies with operational and market needs.
- Team Leadership: Build and mentor a team of risk professionals to support the growth and sustainability of credit products.
Who we are looking for:
- Bachelor’s or Master’s degree in Finance, Economics, Business, or a related field.
- Proven experience (5+ years) in credit risk management, preferably in the BNPL, fintech, or consumer lending industries.
- Strong knowledge of credit scoring models, risk assessment tools, and portfolio management strategies.
- Familiarity with regulatory frameworks in the financial services sector.
- Exceptional analytical skills with proficiency in tools such as SQL, Python, R, or similar data analysis platforms.
- Excellent communication and leadership skills, with the ability to work collaboratively across teams.
- Experience in launching and scaling credit products is highly desirable.
Hiring Process:
- A quick chat with one of our Talent Acquisition team members
- The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation
- A case study to test your hard skills
- A final chat with Simone, our CEO
Want to learn more? Don't hesitate to explore our Careers website, our LinkedIn and Glassdoor 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.
We believe in the power of diversity: Scalapay is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.
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What We Do
Scalapay is an innovative payment method which allows a customer to defer payments through 3 or 4 interest-free installments. The buy now pay later service is available in over 7.000 physical stores and in the e-stores of more than 5.000 brands. The cost of the service is totally free for the customer and is financed by a commission applied to retailers who are immediately paid for their product. Scalapays’ service has seen a 48% increase in the average order value, an increase in cart conversion, and a decrease in its abandonment rate. Over a period of three months, 65% of platform users return to the store or e-commerce they purchased from using Scalapay
