Credit Risk Decision Analyst at Scalapay

Scalapay is seeking a Credit Risk Decision Analyst to contribute to shaping credit strategies and optimizing portfolio performance. The analyst will play a key role in designing and optimizing end-to-end decisioning frameworks to drive smart growth and protect portfolio health.

The role involves close collaboration with Product, Data, Engineering, and Legal teams to create scalable, data-driven strategies that enable responsible lending and support expansion into new products and markets.

Responsibilities include:

• Driving implementation and monitoring of credit risk decision strategies across the customer lifecycle.
• Monitoring and reporting on portfolio performance.
• Running initiatives to reduce credit losses.
• Collaborating with cross-functional teams to embed credit policies into new features.
• Building and maintaining data pipelines and performance reports.
• Refining risk models.

Requirements:

• 2+ years of experience in risk management.
• Proficiency in SQL and Python.
• Experience in insightful dashboards.
• Strong communication skills.
• Fluent in English.

Scalapay offers:

• A competitive package.
• A high-growth environment with real ownership and autonomy.
• Opportunity to help shape the credit engine.
• Flexible working and focus on personal development.