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About the Role

As a Senior Business Analyst, you will shape and deliver our Consumer Risk Platform, which is central to real-time credit decisioning, fraud prevention, and customer risk assessment for BNPL and checkout products. You will collaborate with Product, Risk, Data Science, Compliance, and Engineering teams to transform complex risk and regulatory requirements into scalable platform solutions.

Responsibilities

Lead business analysis for complex, cross-functional initiatives from discovery to delivery and post-implementation evaluation.
Act as a domain expert for customer risk, fraud prevention, and underwriting, identifying optimization and innovation opportunities.
Break down large initiatives into epics and user stories aligned with architectural principles, defining acceptance criteria, supporting testing, and validating business logic.
Own and refine business and system requirements across the risk platform landscape, including workflow, decision, data, and third-party integration engines.
Assess the impact of regulatory and risk changes on systems, processes, and customer journeys.
Partner with product leadership, engineering, and data science to influence roadmap decisions.
Mentor junior analysts and improve analysis frameworks and ways of working.

Requirements

Degree in Business Informatics, Computer Science, Economics, or a comparable field.
5+ years of experience as a Technical Business Analyst (or similar) in FinTech, payments, or financial services.
Strong domain expertise in risk, fraud, or payment processing systems.
Proven experience leading complex initiatives and influencing cross-functional stakeholders.
Ability to translate business needs into scalable system designs, including APIs, workflows, and data models.
Deep experience in agile environments (Scrum/Kanban), including backlog ownership and refinement.
Excellent analytical, problem-solving, and communication skills, with the ability to engage technical and non-technical audiences.
A high degree of ownership and autonomy.
Fluent English; German is a plus.
Experience with BNPL, consumer finance, or credit risk decisioning systems (Nice to Have).
Hands-on experience with SQL, Python, Databricks, or Power BI (Nice to Have).
Familiarity with fraud detection systems and rule- or ML-based decision engines (Nice to Have).

Skills

Risk
Fraud Prevention
Underwriting
Agile Methodologies (Scrum/Kanban)
Backlog Ownership
Backlog Refinement
API Design
Workflow Design
Data Modeling
SQL
Python
Databricks
Power BI
Fraud Detection Systems
Rule-based Decision Engines
ML-based Decision Engines

Location

Berlin

Work Type

Hybrid

Experience Level

Senior
5+ years

Education Level

Degree in Business Informatics, Computer Science, Economics, or a comparable field.

About the Company

Riverty is part of the family-owned Bertelsmann group.
They operate in a fast-paced industry, enabling flexible payments across various sectors.
They simplify financial management for known brands and help individuals build financial confidence through debt repayment.
Their mission is to combine empathy, advanced technology, and data-driven insights to keep people and businesses in flow with payments.
They have 30 hybrid workspaces internationally, with over 4,000 employees representing almost 80 nationalities across 11 countries.

Equal Opportunity

Responsible for processing the information provided in your application is Riverty GmbH, with its registered office as indicated.
The company processes your data for the purpose of establishing an employment relationship on the basis of Art. 6 (1) b GDPR / Section 26 (1) sentence 1 BDSG.
The retention period for your data is determined by the statutory time limits applicable in the respective country, beginning upon completion of the recruitment process.
You can contact the company’s Data Protection Officer at the above-mentioned postal address.
Further information on data protection and your rights can be found here.