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Scalapay is a regulated Payment Institution providing Buy Now, Pay Later (BNPL) services across European markets. As a fast‑growing fintech operating under strict compliance requirements (DORA, PCI‑DSS, GDPR), we serve millions of customers and thousands of merchants across Italy, France, and other European countries.

• Define and execute payment strategy to maximize authorization rates while minimizing costs
• Own payment economics including processor fees, interchange optimization, and cost attribution
• Develop business cases and ROI analysis for payment initiatives and infrastructure investments
• Lead strategic decisions on payment routing, processor selection, and payment method expansion
• Drive payment performance analytics and KPI reporting to executive team
• Identify and evaluate emerging payment technologies and market opportunities

• Lead commercial negotiations with payment processors on pricing, terms, and SLAs
• Manage payment vendor relationships and contract renewals
• Negotiate interchange fees, scheme fees, and processing rates
• Build business cases for processor additions, changes, or consolidations
• Drive cost optimization initiatives across payment stack (target: 5‑% reduction annually)
• Establish and manage payment vendor governance and performance reviews

• Define merchant payout strategy leveraging SEPA rails and core banking platform
• Optimize settlement economics including timing, costs, and working capital impact
• Lead core banking platform vendor relationship and commercial optimization
• Support loan securitization from a payment and settlement infrastructure perspective
• Drive treasury efficiency through improved settlement processes and reconciliation
• Partner with Finance on payment operations P&L management

• Build and maintain relationships with banking partners supporting SEPA operations
• Lead strategic decisions on banking infrastructure and correspondent banking relationships
• Support securitization facility requirements with robust payment reporting and operations
• Navigate EU banking ecosystem (TARGET2, EBA Clearing) for optimal payment execution
• Drive compliance with SEPA scheme rules and EU banking regulations
• Represent Scalapay in banking industry forums and with financial institution partners

• Partner with Product, Business, and Commercial teams on payment strategy alignment
• Provide regular updates to CTO and executive team on payment performance and commercial opportunities

• Communicate complex payment economics and trade‑offs to non‑technical stakeholders
• Build internal knowledge and capability around payment operations and economics

• 10+ years in payments, fintech, or financial services with progressive responsibility
• 5+ years in strategic / commercial payment roles (payment strategy, vendor management, business development)
• Proven track record leading commercial negotiations with payment processors and banking partners
• Experience managing multi‑million dollar payment budgets and P&L responsibility
• Direct experience with regulated financial services environments (Payment Institution, Bank, EMI)
• History of driving payment optimization and cost reduction initiatives
• Experience supporting securitization or asset‑backed lending operations (preferred)
• Background in strategy consulting, investment banking, or corporate development (bonus)

• Deep understanding of payment economics including interchange, scheme fees, and processing costs
• Expert knowledge of payment processor commercial models and pricing structures
• Strong financial acumen with ability to build business cases and ROI models
• Experience with commercial negotiations and contract management
• Understanding of banking relationships and correspondent banking arrangements
• Knowledge of treasury operations and working capital optimization
• Experience with vendor management and performance governance frameworks

• Strong grasp of payment processing architecture, card networks, and payment orchestration
• Understanding of payment security standards (PCI‑DSS, 3 DS, tokenization) and regulatory implications
• Familiarity with payment, and processor capabilities
• Knowledge of core banking platforms and loan servicing systems architecture
• SEPA payment expertise including SEPA Credit Transfer (SCT), Instant SEPA (SCT Inst), and Direct Debit (SDD)
• Understanding of loan securitization processes and technical requirements for asset‑backed facilities
• Knowledge of ISO 20022 messaging standards and EU banking infrastructure
• Ability to evaluate technical trade‑offs and provide strategic direction (hands‑on engineering not required)

• Strong executive presence with ability to influence senior stakeholders and board members
• Excellent negotiation skills with track record of securing favorable commercial terms
• Strategic thinking with ability to connect payment decisions to business outcomes
• Data‑driven decision making with strong analytical and financial modeling capabilities
• Comfortable with ambiguity and rapid change in high‑growth environment
• Collaborative leadership style with ability to work effectively across functions

• Ability to build and maintain relationships with external partners (processors, banks, vendors)

• Understanding of European payment landscape and local payment methods
• Deep knowledge of SEPA scheme rules and EU banking ecosystem (TARGET2, EBA Clearing)

• Experience working with Banque de France, PRA, or similar regulators (preferred)
• Understanding of securitization frameworks and asset‑backed lending structures in EU

• English required, Italian or French preferred

• International environment with significant challenges to be met every day
• Lots of opportunities to work with a team of industry 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.

• A chat with someone from our Talent Team
• First interview with the CTO to deep dive into your experiences, better understand your motivation and explore your business acumen in the product world
• A case study to prepare at home to test your hard skills, and present to our team.
• A final chat with Simone, our CEO, that will share our vision and values with you

We believe in the power of diversity: Scalapay is an Equal Opportunity Employer for any minority, disability, gender identity or sexual orientation.