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

**Company**: PayPal
**Location**: London, London
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/London-County-London-England-United-Kingdom/Sr-Credit-Risk-Analyst_R0138609-1?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/job/credit-risk-lead-for-buy-now-pay-later-bnpl-italy-bdc4d2f7-6b7/

## Description

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.

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## Skills

### Required
- data science
- credit risk
- analytics
- CLTV modelling
- Italian consumer credit regulatory requirements

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Source: [Apply at paypal.wd1.myworkdayjobs.com](https://paypal.wd1.myworkdayjobs.com/en-US/jobs/job/London-County-London-England-United-Kingdom/Sr-Credit-Risk-Analyst_R0138609-1?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)