Senior Risk BI and Forecast Analyst

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**:
As a **Senior Risk BI & Forecast Analyst**reporting to our Chief Risk Officer, you will own the design, implementation, and oversight of credit & fraud loss forecasting 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. This role will ensure accurate projections of portfolio performance, early detection of risk trends, and actionable insights to drive business decisions.

**WHAT YOU WILL DO**:
**Loss Forecasting & Portfolio Analytics**- Develop, implement, and maintain loss forecasting models across the BNPL portfolio.
- Monitor approval rates, fraud & credit performance and recovery trends.
- Build scalable BI dashboards

**Business Intelligence & Reporting**- Own the design, automation, and delivery of risk BI dashboards for leadership and stakeholders.
- Partner with cross functional areas like Finance, payments, product risk to provide data-driven insights into credit losses, profitability, and risk-adjusted returns.
- Ensure regulatory and management reporting requirements are met with high accuracy.

**Cross-Functional Collaboration**- Work closely with credit risk, data science, finance, and product teams to align loss assumptions with pricing, provisioning, and strategic planning.
- Communicate findings and recommendations to senior leadership and external stakeholders (e.g., auditors, regulators, investors).

**Risk Governance**- Contribute to credit policy development by identifying emerging risks and recommending mitigation strategies.
- Support provisioning under IFRS9 or equivalent regulatory frameworks.
- Ensure data integrity, consistency, and strong governance across risk reporting processes.
- Provide scenario analyses and stress testing to anticipate potential risks under different macroeconomic environments.

**WHO WE ARE LOOKING FOR**:

- Holder of a Bachelor's degree in Finance, Economics, Statistics, Data Science, or related field. Advanced degree preferred.
- 5+ years in**risk management, forecasting, or financial analytics, preferably in fintech, BNPL, payments, or consumer lending.
- Proven track record in developing loss forecasting models and reporting processes.
- Proficiency in SQL, Python for data analysis and modeling.
- Strong analytical and problem-solving mindset. Excellent communication skills; ability to simplify complex data into actionable insights and high attention to detail and strong ownership of deliverables.

**WHY YOU SHOULD JOIN SCALAPAY**:

- A competitive package based on your experience and impact.
- A high-growth environment with real ownership and autonomy.
- The opportunity to help shape the credit engine behind one of Europe's most exciting fintechs.
- Work with smart, driven people on meaningful challenges across Product, Data, and Tech.
- Learn from experienced leaders and grow your career.
- Access to the latest technologies, flexible working, and a strong focus on personal development.

**OUR HIRING PROCESS**:

- A quick chat with one of our Talent Acquisition team members
- A first interview with our Chief Risk Officer to deep dive into your experiences and better understand your motivation
- A case study to test your hard skills, that will be debriefed with a panel of future internal stakeholders including our CRO
- A final chat with Simone (our CEO) to assess your motivation and cultural fit.

Want to learn more? Don't hesitate to explore our Careers website, our LinkedIn and Glassdoor pages.

**_ Pro tip:_** send your CV in English
- We believe in the power of diversity: Scalapay is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation._