Risk Analyst B2B (m/f/d)

Apply now!; Heerenveen; On-site; EUR 70,000 - 100,000; Full time

Job summary

Riverty in Heerenveen, Netherlands, seeks a Risk Analyst – B2B to join the Risk Analytics team. You will redesign underwriting models, develop multi-country credit frameworks, and collaborate with Data Science to deploy ML-based models in a balanced risk environment. English is mandatory; German or Dutch is a plus.

Flexible location: NL, DE, or Luxembourg. The role supports leadership through enhanced dashboards, risk KPIs, and cross-functional partnership with Risk Product, Fraud Risk Steering,

Qualifications

• Significant experience in B2B risk analytics
• Experience in credit risk management environment
• Proficiency in SQL / Python / R for analytics
• Experience in international, agile, cross-functional setting
• Proactive with technology and data analytics
• Strong strategic mindset with execution
• Language: English mandatory; German or Dutch a plus

Responsibilities

• Lead redesign of B2B underwriting models and rating methodologies
• Improve data analysis and processes to support product expansion
• Build harmonised multi-country credit frameworks
• Establish best practices for ad-hoc analyses
• Collaborate with Data Science on ML-based credit models
• Enhance reporting dashboards and risk KPIs
• Collaborate with Risk Product, Fraud Risk Steering, Finance, etc.

Skills

B2B risk analytics

Credit risk

SQL

Python

R

Data analytics

Agile environment

English required

German or Dutch

Job description

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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 FinTech.

Job Description

We are looking for a

Join our team at our location in Berlin, Verl, Amsterdam, Heerenveen, Luxembourg – flexible working conditions available

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 FinTech, the Risk Analytics team develops appropriate customer risk strategies for different markets and ecosystems. The organization is characterised by technology-based rapid learning and decision‑making cycles and 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.

The main responsibilities are:

• 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 harmonised 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 is reporting into the Risk Analytics & Steering Lead, which is reporting into the Functional Unit Lead for Client Underwriting.
• The location is flexible, preferred locations are Germany (Berlin, Verl), Luxembourg or the Netherlands (Amsterdam, Heerenveen).

Qualifications

What you should bring:

• 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 in working in an international, agile, cross‑functional environment.
• You embrace new technology and understand the potential of data and advanced analytics.
• You are a strategic thinker with vision and a strong operator – you get things done.
• Language: English (mandatory); German or Dutch is a plus.

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.

Date: Jul 16, 2026

Work Location: Heerenveen, Netherlands, 8441 ER