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 . #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 Data Analyst to join the team in Barcelona. 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. 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. 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'll hold a clear mandate on merchant and portfolio decisions from the start, with the team behind you and room to grow it. Monitoring and tooling Build the monitoring that tells us whether the portfolio and our decisions are doing what we expect, with risk-adjusted profitability as the organising metric. Monitor the portfolio across customers,



merchants and countries, and dig into what's moving before it turns into losses. Work 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. As you settle in, you'll take on a project of your own end to end. A degree in engineering, physics, computer science, mathematics, statistics, economics or another quantitative field, or equivalent demonstrated quantitative ability. ~Strong 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. ~ Some 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. ~ You can explain a complex analysis to different audiences, from Commercial to leadership, and you can stand behind your conclusions. ~ Fluent English (B2+ level). We use it on a daily basis and this is our integral internal language. Exposure to consumer credit, BNPL, lending or e-commerce risk. Familiarity with git (or another version control system), CI/CD and how pipelines and code get released to production. dbt, or other analytics engineering and data modelling experience. Experience with experiments, control groups or A/B testing. No credit or BNPL background? What we look for is rigour with data and curiosity about how things work. Your analysis turns into decisions, and you see the results. Exposure to the full credit lifecycle, from approval to portfolio performance. A technical environment: you work close to the decision engine and the data pipelines, not only on their outputs. An initial chat with our Talent team We ask our colleagues to come to the office 3 days per week. Please note that only candidates with a legal working status in Spain will be considered as we do not provide sponsorship.

📌 Credit risk data analyst risk (España)
🏢 Scalapay
📍 España