Chief Risk Officer

 

We are looking for a Chief Risk Officer for Scalapay.  In this role, reporting directly to the CEO, you will build and lead fraud prevention, underwriting, data analytics, and risk and compliance for our BNPL and checkout products.

 

Our Risk team sits at the very core of Scalapay. It works across functions, products, and regions to monitor the performance of our payments, balancing expected losses against approval rates and customer experience.

 

This role will lead cross-functional teams including data scientists, credit and fraud analysts, and product and technology teams to address the specific challenges that face our BNPL business (large order volume, with elements of both fraud and credit losses).  You will also lead our data team, which provides the data and reporting that is the lifeblood of our company.

 

 

- Launch and own fraud prevention, risk, and underwriting engine(s) processing large volumes of transactions at scale (including performance reporting, evaluation of new variables and data sources, utilization of outsourced providers, and operational and data science approaches)

- Develop and manage predictive models and credit strategies to drive value with respect to consumer approvals, fraud prevention, bad debt recovery, lifetime value, and as needed across other business functions.  In addition to looking backwards, you will imagine and plan for states of the world that don’t exist yet

- Enhance reporting around risk models, delinquency and net loss performance as compared with approval rates

- Manage the development of merchant/customer targeting to assist with mitigating risk, setting policies, and aligning customer pricing to profitability targets

- Evaluate the Company’s data infrastructure and recommend improvements that will drive superior analytics work product

- Design and implement risk frameworks to ensure that business is compliant with industry rules and regulations

 

 

- 8+ years of experience in risk and analytics, developing data science-based credit & risk programs

 - track record of driving top-tier results and business value

 - Strong understanding of credit as well as application of behavioural scoring models, especially for retail credit products

- Advanced degree in an analytical field such as mathematics, statistics, computer science/engineering or similar

- Experience in European markets (in particular Italy, France, and Spain)

 - Understanding of SQL, Python, and other analytical/decisioning tools

 - and you are a team player who can work across functions, manage team across geographies, and effectively communicate with senior management

- Attractive packages based on skills and experience

- International environment with significant challenges to be met every day

- Lots of opportunities to work with a team of industry tech leaders who are focused on delivering products that offer exceptional user experiences

- Personalised support to accelerate your professional growth and take ownership of the products you deliver: we want to help you grow!

- Latest technologies and being encouraged to bring your flair to the role.

1) A quick chat with one of our Talent Acquisition team member

2) The first interview with the Hiring Manager to deep dive into your experiences and better understand your motivation

3) A case study to test your hard skills

4) A Meet The Team session where you’ll get to meet different people at Scalapay and see if you’ll fit into our culture

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