Senior Business Analyst - Consumer Risk Platform (BNPL / E-Commerce) (m/f/d)

Bertelsmann; Berlin; Hybrid; EUR 70,000 - 105,000; Full time

Job summary

Riverty in Berlin is seeking a Senior Business Analyst to shape and deliver the Consumer Risk Platform, the core capability behind real-time credit decisioning, fraud prevention, and customer risk assessment within BNPL and checkout products. You will collaborate with Product, Risk, Data Science, Compliance, and Engineering, translating complex requirements into scalable platform solutions.

The role focuses on leading analysis across risk and regulatory changes, mentoring junior analysts, and

Qualifications

• 5+ years of experience as a Technical Business Analyst in FinTech/payments or financial services.
• Proven experience leading complex cross-functional initiatives.
• Strong domain expertise in risk, fraud, or payment processing.
• Excellent analytical and communication skills; able to engage technical and non-technical audiences.

Responsibilities

• Lead business analysis for complex, cross-functional initiatives, from discovery to delivery and post-implementation evaluation.
• Act as domain expert for customer risk, fraud prevention, and underwriting, and proactively identify optimization opportunities.
• Break down large initiatives into epics and user stories, define acceptance criteria, and support testing strategies.
• Own and refine business and system requirements across risk platform landscape, including workflow engines and integrations.
• Assess regulatory and risk changes (BaFin/EU) impacts on systems and journeys.
• Mentor junior analysts and help improve analysis frameworks.

Skills

Risk domain

Fraud prevention

Payments systems

Agile frameworks

Cross-functional leadership

APIs and data models

Education

Bachelor's degree in Business Informatics, Computer Science, Economics, or related field

Tools

SQL

Python

Databricks

Power BI

Job description

Company Description

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

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.

But where does that take you?

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 FinTech.

Job Description

Senior Business Analyst (m/f/d)

Join our team at our location in Berlin - hybrid working conditions available.

About the Role

As a Senior Business Analyst in our Product team, you will shape and deliver our Consumer Risk Platform, the core capability behind real-time credit decisioning, fraud prevention, and customer risk assessment in our BNPL and checkout products. You will work at the intersection of Product, Risk, Data Science, Compliance, and Engineering, turning complex risk and regulatory requirements into scalable platform solutions.

What You'll Do

• 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, and proactively identify opportunities for optimization and innovation.
• Break down large initiatives into epics and user stories, aligned with architectural principles. Define acceptance criteria, support testing strategies, and validate complex business logic.
• Own and refine business and system requirements across our risk platform landscape, including workflow engines, decision engines, data platforms, and third-party integrations.
• Assess the impact of regulatory and risk changes (e.g., BaFin or EU requirements) on systems, processes, and customer journeys.
• Partner with product leadership, engineering, and data science to influence roadmap decisions.
• Mentor junior analysts and help improve our analysis frameworks and ways of working.

What You Bring

• 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.

Nice to Have

• Experience with BNPL, consumer finance, or credit risk decisioning systems.
• Hands-on experience with SQL, Python, Databricks, or Power BI.
• Familiarity with fraud detection systems and rule- or ML-based decision engines.

Additional Information

Disclosure requirements pertaining to the collection of your personal data:

Responsible for processing the information provided in your application is the company specified in the job advertisement, 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 find these here.

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.