{"id":3140711,"url":"https://alion.io/job/scalapay-credit-risk-data-analyst","title":"Credit Risk Data Analyst","company":{"id":54190,"name":"Scalapay","domain":"scalapay.com","url":"https://alion.io/company/scalapay","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":93,"open_postings":7,"ghost_share":0,"stale_share":0.286,"repost_share":0,"time_to_fill_p50_days":57,"computed_at":"2026-10-29T05:49:05Z"}},"role":"Analytics","role_family":"Analytics","seniority":null,"employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Barcelona, Spain"],"countries":["ES"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":32000,"max_usd":77000,"period":"year","method":"role_country_seniority_unknown","sample_n":40},"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":false},{"name":"SQL","optional":false},{"name":"A/B Testing","optional":true},{"name":"CI/CD","optional":true},{"name":"dbt","optional":true}],"status":"live","first_seen_at":"2026-10-23T06:49:52Z","employer_posted_date":"2026-10-23","last_verified_at":"2026-10-29T04:19:34Z","board_verified":true,"closed_at":null,"days_open":6,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":6},"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.\n\nIf you’re ready toput 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.\n#MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.\nTHE MISSION\nBehind every purchase paid in installments at one of our merchants there is a credit decision we make and own. The Credit Risk team is responsible for those decisions: who we approve, how much we extend, on what terms, and how the portfolio performs afterwards.\nWe're looking for a Credit Risk Data Analyst to join the team in Barcelona. The portfolio we manage is growing, BNPL is coming into the European regulatory perimeter, and we're building the team and the tooling to match. You'll work with the CRO, with Data Science and Data Engineering, and with Commercial, and you'll have the opportunity to fully own parts of the portfolio from early on.\nWHAT YOU WILL DO\nPortfolio strategy\nManage the credit strategy of a consumer portfolio built on millions of customers and thousands of merchants across multiple European countries: how much we extend, to whom and through which merchants. You'll work with Commercial and Account Management so that risk appetite and growth pull in the same direction.\nReview merchants and segments, decide where the portfolio should be adjusted, and make it happen.\nDecisioning and changes\nTake credit decisions from analysis to production. Rules, credit limits, thresholds: propose the change, size it, test it, ship it, and measure what happened.\nYou take the decisions, not only prepare them. You'll hold a clear mandate on merchant and portfolio decisions from the start, with the team behind you and room to grow it.\nMonitoring and tooling\nBuild the monitoring that tells us whether the portfolio and our decisions are doing what we expect, with risk-adjusted profitability as the organising metric.\nMonitor the portfolio across customers, merchants and countries, and dig into what's moving before it turns into losses.\nBuild the team's knowledge base as you go: the decisions we take, the changes we ship and the reasoning behind them.\nCollaboration\nWork with Data Science and Data Engineering on the models, features, pipelines and data that feed our decisions. We're aiming for a self-sufficient team on the data stack.\nWork with the rest of the Risk function, Fraud included, on the patterns that drive losses and what to do about them.\nAs you settle in, you'll take on a project of your own end to end.\nWHO WE ARE LOOKING FOR\nMust have\nA degree in engineering, physics, computer science, mathematics, statistics, economics or another quantitative field, or equivalent demonstrated quantitative ability.\n3+ years in an analytical role where your output drove decisions.\nStrong SQL. You use it every day, you're comfortable with complex joins and window functions, and you can read someone else's query and work out why two numbers disagree.\nSome exposure to Python, at work or in your own projects. You can read a pandas script and adapt it to get to a result. You don't need to be a software engineer.\nProactivity and technical curiosity. Our domain is technical: decisions live in code, configs and pipelines, and the people who do well here go and look at how things work rather than waiting to be told.\nClear communication. You can explain a complex analysis to different audiences, from Commercial to leadership, and you can stand behind your conclusions.\nFluent English (B2+ level). We use it on a daily basis and this is our global internal language.\nNice to have\nExposure to consumer credit, BNPL, lending or e-commerce risk.\nFamiliarity with git (or another version control system), CI/CD and how pipelines and code get released to production.\ndbt, or other analytics engineering and data modelling experience.\nExperience with experiments, control groups or A/B testing.\nNo credit or BNPL background? That's fine. We'll teach you the domain. What we look for is rigour with data and curiosity about how things work.\nWHY YOU SHOULD JOIN SCALAPAY\nAttractive packages based on skills and experience. The salary band for this position is 32.000 - 44.000.\nYour analysis turns into decisions, and you see the results.\nExposure to the full credit lifecycle, from approval to portfolio performance.\nA technical environment: you work close to the decision engine and the data pipelines, not only on their outputs.\nOUR HIRING PROCESS\nAn initial chat with our Talent team\nAn interview with the Hiring Manager, to dive into your experience and understand your motivation\nA case study with the Hiring Manager and another Risk team lead\nA final chat with Simone, our CEO\nWant to learn more? Don't hesitate to explore our Careers website, our LinkedIn and Glassdoor pages. \nPro tip: send your CV in English\n 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.","description_format":"text","description_chars":5241,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"bachelor","optional":false},"security_clearance":false,"languages":[{"language":"English","level":"Upper-Intermediate (B2)","optional":false}]},"benefits":["Continuous learning"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Buy Now, Pay Later"],"lifecycle":[{"event":"open","at":"2026-10-23T08:23:08Z"}],"visa":[],"liveness":{"score":90,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.903,"p_room":1,"age_days":5,"expected_fill_days":57,"reasons":["conf:1","velocity","win:early"],"computed_at":"2026-10-29T05:49:05Z"},"pay":null,"html_url":"https://alion.io/job/scalapay-credit-risk-data-analyst","json_url":"https://alion.io/job/scalapay-credit-risk-data-analyst.json","meta":{"generated_at":"2026-10-29T07:36:42Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":11567,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-30T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":54190},"rest":"https://alion.io/mcp/rest/get_company?id=54190"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fscalapay-credit-risk-data-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fscalapay-credit-risk-data-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fscalapay-credit-risk-data-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/scalapay-credit-risk-data-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fscalapay-credit-risk-data-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":3140711}},{"tool":"search_jobs","arguments":{"company":"scalapay.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":3140711},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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