Credit Risk Lead for Buy Now Pay Later (BNPL) Italy

You will lead credit risk strategy across all Italian BNPL products (Pay in 3, Pay Monthly, and Pay Later 2 Go), owning underwriting, rule writing, portfolio performance, analytics, and CLTV modelling, while providing local oversight of Italy’s consumer credit regulatory requirements (including CCD2 and Bank of Italy).

Key Responsibilities:

• Lead the development and implementation of advanced data science models.
• Collaborate with stakeholders to understand requirements.
• Drive best practices in data science.
• Ensure data quality and integrity in all processes.
• Mentor and guide junior data scientists.
• Stay updated with the latest trends in data science.

Additional Responsibilities:

• Lead credit risk strategy across all Italian BNPL products, owning underwriting, rule writing, and portfolio performance across the customer lifecycle.
• Work with P&L owners and other stakeholders to analyze, propose, and implement robust credit strategies, and measure their P&L impact to optimize the mix of risk and revenue.
• Build and maintain analytics and CLTV models to guide growth, pricing, and risk appetite decisions.
• Monitor Italian consumer risk trends and loss patterns, and share insights with leadership on book quality, risks, and opportunities.
• Evaluate and manage internal and external data sources, including Italian credit bureaus and other data providers, and assess their contribution to the underwriting process.
• Partner with Compliance and Legal to ensure credit strategies meet Italian consumer credit regulatory requirements, including CCD2.
• Work with Operations and Collections teams to understand and shape the impact of credit strategies on customer communication and collections outcomes.
• Partner with Product and Finance on new product, partner, and channel expansion in Italy, leading the credit risk assessment and strategy.

Benefits:

• Comprehensive, choice-based programs to support all aspects of personal wellbeing,physical, emotional, and financial.
• Generous paid time off.
• Healthcare coverage for you and your family.
• Resources to create financial security and support your mental health.