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
Behind 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.
We're looking for a Credit Risk 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.
What You Will Do Portfolio strategy
- Manage 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.
- Review merchants and segments, decide where the portfolio should be adjusted, and make it happen.

Decisioning and changes
- Take credit decisions from analysis to production. Rules, credit limits, thresholds: propose the change, size it, test it, ship it, and measure what happened.
- You 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 a

📌 Credit Risk Analyst (Cataluña)
🏢 Scalapay
📍 Cataluña