Risk Analyst B2B (m/f/d)

Bertelsmann; Netherlands; On-site; EUR 90,000 - 120,000; Full time

Job summary

Riverty is seeking a Risk Analyst – B2B for its Risk Analytics team in the Client Underwriting Unit. The role focuses on redesigning underwriting models, expanding B2B product capabilities across markets, and building harmonized credit frameworks while collaborating with Data Science, Risk Product and Finance.

The candidate will work in a cross-functional, international environment with flexible location options in NL/DE/Luxembourg and a preference for the Netherlands/Amsterdam region.

Qualifications

• Significant experience in B2B risk analytics in fintech/BNPL/payments.
• Experience in a credit risk management environment.
• Experience with data analysis and modeling tools.

Responsibilities

• Lead the redesign of B2B underwriting models, including scorecards and ruling engines.
• Improve data analysis and processes to support product expansion.
• Build multi-country credit frameworks adapting to local markets.

Skills

B2B risk analytics

English (mandatory)

Cross-functional collaboration

Tools

SQL

Python

R

Job description

Risk Analyst – B2B (m/f/d) (unlimited, full-time)

Location: 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 characterized 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 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.
• Work in close collaboration with other functions such as Risk Product, Fraud Risk Steering, Data Science, Finance, etc.
• Reporting into the Risk Analytics & Steering Lead, which reports into the Functional Unit Lead for Client Underwriting.
• Location flexible, preferred locations are 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 in 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 – get things done.
• Language: English mandatory; German or Dutch a plus.