.Thanks to our innovative BuyNow PayLater payment solution, Scalapay is transforming the way more than 6.5 million customers buy online and in-store, empowering 8,000+ merchants (online and in-store) to give their customers magical shopping experiences.Being only 3 years old didn't stop us from becoming a unicorn. We have raised over $700mln and we did this thanks to a team built around our 4 core values: #MakeItHappen #PlayAsATeam #StayCurious #FocusOnCustomer.The Mission:As a Credit Risk Director, you will lead the design, implementation, and oversight of credit risk frameworks tailored for long-term installment products. This is a high-impact role where you will collaborate with cross-functional teams to align product offerings with robust risk management strategies, ensuring profitability and compliance in a fast-evolving financial landscape.What You Will Do:Credit Risk Strategy: Develop and implement credit risk policies and frameworks for long-term installment products, aligning with business goals and regulatory requirements.Product Rollout Leadership: Partner with product, data, and operations teams to design and launch long-term installment credit products, ensuring risk mitigation strategies are embedded from the start.Portfolio Management: Monitor portfolio performance, identify risk trends, and develop strategies to optimize credit risk exposure while maintaining customer satisfaction.Data-Driven Decision Making: Utilize advanced analytics and credit scoring models to assess and predict customer risk profiles, ensuring data integrity and accuracy.Regulatory Compliance: Ensure all credit products and processes comply with local and international regulatory standards.Stakeholder Collaboration: Work closely with internal stakeholders (product, engineering, finance) and external partners (credit bureaus, regulatory bodies) to align risk strategies with operational and market needs.Team Leadership: Build and mentor a team of risk professionals to support the growth and sustainability of credit products.Who We Are Looking For:Bachelor's or Master's degree in Finance, Economics, Business, or a related field.Proven experience (5+ years) in credit risk management, preferably in the BNPL, fintech, or consumer lending industries.Strong knowledge of credit scoring models, risk assessment tools, and portfolio management strategies.Familiarity with regulatory frameworks in the financial services sector.Exceptional analytical skills with proficiency in tools such as SQL, Python, R, or similar data analysis platforms.Excellent communication and leadership skills, with the ability to work collaboratively across teams.Experience in launching and scaling credit products is highly desirable.Hiring Process:A quick chat with one of our Talent Acquisition team members.The first interview with the Hiring Manager to dive deep into your experiences and better understand your motivation