{"id":950770,"url":"https://alion.io/job/scalapay-risk-data-scientist","title":"Risk Data Scientist","company":{"id":54190,"name":"Scalapay","domain":"scalapay.com","url":"https://alion.io/company/scalapay","size_band":"501-1000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":85,"open_postings":5,"ghost_share":0,"stale_share":0.4,"repost_share":0,"time_to_fill_p50_days":61,"computed_at":"2026-10-08T05:49:30Z"}},"role":"Data Science","role_family":"Data Science","seniority":"middle","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Milan, Italy"],"countries":["IT"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":32000,"max":44000,"currency":"EUR","period":"year","gross":true,"usd_annual":50241},"salary_estimate":null,"experience_years_min":4,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Python","optional":true},{"name":"SQL","optional":true}],"status":"live","first_seen_at":"2026-09-15T08:03:52Z","employer_posted_date":"2026-09-24","last_verified_at":"2026-10-09T02:32:43Z","board_verified":true,"closed_at":null,"days_open":23,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":23},"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:\nAs 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.\nThis role will ensure accurate projections of portfolio performance, early detection of risk trends, and actionable insights to drive business decisions.\n\nWHAT YOU WILL DO:\nRisk Modelling & Portfolio Analytics\nDevelop, implement, and maintain Credit Risk & Fraud models across the BNPL & Lending portfolio.\nBuild analytical tools and produce analysis to find Risk & Losses drivers.\nMonitor approval rates, fraud & credit performance and recovery trends.\nBuild scalable BI dashboards\nBusiness Intelligence & Reporting\nOwn the design, automation, and delivery of Risk models & BI reporting for leadership and stakeholders.\nPartner with cross functional areas like Finance, payments, product risk to provide data-driven insights into credit losses, profitability, and risk-adjusted returns.\nEnsure regulatory and management reporting requirements are met with high accuracy.\nCross-Functional Collaboration\nWork closely with credit risk, data science, finance, and product teams to align loss assumptions with pricing, provisioning, and strategic planning.\nCommunicate findings and recommendations to senior leadership and external stakeholders (e.g., auditors, regulators, investors).\nRisk Governance\nContribute to credit policy development by identifying emerging risks and recommending mitigation strategies.\nSupport provisioning under IFRS9 or equivalent regulatory frameworks.\nEnsure data integrity, consistency, and strong governance across risk reporting processes.\nProvide scenario analyses and stress testing to anticipate potential risks under different macroeconomic environments.\n\nWHO WE ARE LOOKING FOR:\nHolder of a Master’s degree in Finance, Economics, Statistics, Data Science, or related field. Advanced degree preferred.\n4+ years in risk management, data science, or risk modelling, preferably in fintech, BNPL, or consumer lending or advanced analytics consulting.\nProven track record in developing loss risk models and reporting processes.\nProficiency in SQL, R, Python for data analysis and modeling.\nProficiency in AI for analytical and modeling.\nStrong analytical and problem-solving mindset.\nExcellent communication skills with an ability to simplify complex data into actionable insights\nHigh attention to detail and strong ownership of deliverables.\nExceptional communication skills in English, both written and verbal, to effectively convey complex ideas to diverse audiences.\n\nWHY YOU SHOULD JOIN SCALAPAY:\nAttractive packages based on skills and experience - the salary band we have for this position is of 32000-44000 € (Gross Annual Salary) \nInternational environment with significant challenges to be met every day\nLots of opportunities to work with a team of industry tech leaders who are focused on delivering products that offer exceptional user experiences\nPersonalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow!\nLatest technologies and being encouraged to bring your flair to the role.\nOUR HIRING PROCESS:\nAn initial chat with our Talent team\nThe first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation\nA case study to test your hard skills\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":4383,"description_truncated":false,"requirements":{"experience_years_min":4,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[{"language":"English","level":"All levels","optional":false}]},"benefits":["Continuous learning"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":[],"lifecycle":[{"event":"open","at":"2026-09-16T00:44:58Z"}],"visa":[],"liveness":{"score":73,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.81,"p_room":0.9,"age_days":22,"expected_fill_days":61,"reasons":["conf:2","win:mid"],"computed_at":"2026-10-08T05:49:30Z"},"pay":{"stated_usd_annual":50241,"is_top_pay":false},"html_url":"https://alion.io/job/scalapay-risk-data-scientist","json_url":"https://alion.io/job/scalapay-risk-data-scientist.json","meta":{"generated_at":"2026-10-09T04:28:15Z","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","counted_by":"address","units_charged":1,"used_today":4158,"day_limit":5000,"remaining_today":842,"minute_limit":60,"resets_at":"2026-10-10T00:00:00Z"}},"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-risk-data-scientist"},{"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-risk-data-scientist"},{"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-risk-data-scientist"},{"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-risk-data-scientist\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fscalapay-risk-data-scientist"}]}