Risk Analyst B2B (m/f/d)

Everyone’s story matters. Come shape your story with us at Riverty.

But where does that take you?

To one of our 30 hybrid workspaces – designed for exchanging ideas, learning from others, and shaping the way we work.

An international community of over 4,000 people, representing almost 80 nationalities across 11 countries.

United by one mission: Combining empathy, advanced technology and data‑driven insights to keep people and businesses in flow.

With payments made for them, so that they don’t have to worry about it.

And there’s more.

We are part of the family‑owned Bertelsmann group.

Established.

Corporate.

In a fast‑paced industry.

We enable flexible payments in various industries, simplifying the financial management of known brands and helping people repay debt to build financial confidence.

In short: shaping Fin Tech.

Job Description

We are looking for a Risk Analyst – B2B for our Risk Analytics team in the Client Underwriting Unit with a hands‑on attitude that is keen to have an impact on our risk assessment by mitigating risk in terms of affordability / solvency for the B2B end customer in a balanced risk decision environment.

The focus of the team lies on contributing to the definition of our risk strategy in the B2B space, its (further) development and the constant monitoring and steering according to it.

In line with Riverty’s overarching vision to become the most human‑centric Fin Tech, the Risk Analytics team develops appropriate customer risk strategies for different markets and ecosystems.

The organization is characterized by technology‑based rapid learning and decision‑making cycles and is guided by a strong common purpose to jointly create value for all stakeholders.

Strong footprint in DACH/NL & Nordics with further expansion ambition within Europe, e. g., UK, Italy.

Responsibilities

• Lead the redesign of B2B underwriting models, including scorecards, decision engines, rule sets, and rating methodologies.
• Continuous improvement of underlying data analysis and existing business processes to support our B2B product expansion in new countries.
• Build harmonized multi‑country credit frameworks while adapting strategies to local market dynamics, regulations, and data availability.
• Establish best practices for ad‑hoc & deep‑dive analyses.
• Partner with Data Science to build and deploy next‑generation ML‑based credit models for customers in the B2B space.
• Enhance reporting frameworks, dashboards, and risk KPIs to support leadership decision‑making.
• You will work in close collaboration with other functions such as Risk Product, Fraud Risk Steering, Data Science, Finance, etc.
• The function reports into the Risk Analytics & Steering Lead, who reports into the Functional Unit Lead for Client Underwriting.
• The location is flexible, with preferred locations in Germany (Berlin, Verl), Luxembourg or the Netherlands (Amsterdam, Heerenveen).

Qualifications

• Significant experience in B2B risk analytics, ideally within BNPL, lending, payments, or fintech.
• Relevant experience in a credit risk management environment.
• Expertise in using various programming languages (SQL, Python, R) to perform complex analytical tasks.
• Experience working in an international, agile, cross‑functional environment.
• Embrace new technology and understand the potential of data and advanced analytics.
• Strategic thinker with vision and a strong operator – you get things done.
• Language: English (mandatory); German or Dutch is a plus.
• Job Location
• Germany – Berlin, Verl
• Luxembourg
• The Netherlands – Amsterdam, Heerenveen
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