Merchant Risk Underwriter – Hybrid Europe

Bertelsmann-Jobs; Heerenveen; Hybrid; EUR 48,000 - 72,000; Full time

Job summary

Riverty is seeking a Risk Analyst to join the Client Underwriting (Merchant Risk) team. You will perform manual underwriting for B2B relationships, review risk profiles, and prepare clear recommendations to support underwriting decisions across European markets.

This role is based in the Netherlands with a hybrid work setup, offering exposure to international processes and data-driven risk insights to support responsible growth.

Qualifications

• Foundation in underwriting, merchant risk assessment or related analytical field.
• Analytical mindset with ability to draw clear conclusions from varied information.
• English fluency; Dutch or German is a plus.

Responsibilities

• Conduct manual underwriting assessments of B2B relationships in line with Riverty's policies and risk standards.
• Review merchant risk profiles using relevant company, ownership, financial and business information.
• Identify gaps, inconsistencies or risk indicators, and ask for clarification where needed.
• Bring findings together into structured, well-supported risk recommendations.
• Document analysis, rationale and findings clearly, ensuring decisions are transparent and traceable.
• Escalate cases per team procedures and collaborate across markets and functions.
• Contribute to shaping and improving underwriting standards, processes and risk strategies.

Skills

Analytical mindset

Underwriting

Attention to detail

Good judgement

Communication

Education

Finance or Economics degree

Job description

Riverty is seeking a Risk Analyst to join the Client Underwriting (Merchant Risk) team. You will perform manual underwriting for B2B relationships, review risk profiles, and prepare clear recommendations to support underwriting decisions across European markets.

This role is based in the Netherlands with a hybrid work setup, offering exposure to international processes and data-driven risk insights to support responsible growth.