Risk Analyst – Client Underwriting (m/f/d)

Bertelsmann; Heerenveen; Hybrid; EUR 52,000 - 76,000; Full time

Benefits offered by this job

Hybrid workspaces

Job summary

Riverty, part of Bertelsmann, is seeking a Risk Analyst (m/f/d) to join the Client Underwriting team in the Netherlands. You will assess B2B risk profiles, review financial data, and provide clear underwriting recommendations to support decision-making.

Location options include Amsterdam or Heerenveen with a hybrid work setup. The ideal candidate has a background in underwriting or merchant risk, strong analytical skills, and fluency in English; Dutch or German is a plus.

Qualifications

• Foundation in underwriting or merchant/c credit risk.
• Ability to analyze diverse data and draw clear conclusions.
• Strong attention to detail and judgement, with questions when needed.
• Degree in Finance, Economics or related field is preferred.
• Professional fluency in English; Dutch or German is a plus.

Responsibilities

• Conduct manual underwriting assessments of B2B relationships in line with Riverty 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
• Present structured, well-supported risk recommendations
• Document analysis and rationale for transparent decisions
• Escalate cases per team procedures and collaborate across markets and functions

Skills

Underwriting

Merchant risk assessment

Credit risk analysis

Analytical mindset

English fluency

Dutch/German language advantage

Education

Finance or Economics degree

Job description

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Risk Analyst – Client Underwriting (m/f/d)

Company Description

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 Risk Analyst (m/f/d) to join our Client Underwriting (Merchant Risk) team. As part of the team, you will assess risk profiles across Riverty’s B2B relationships. Through manual underwriting, you will review relevant business information, identify risks, and prepare clear recommendations to support underwriting decisions.

At Riverty, we aim to make financial services more human-centric. You will join a team working across European markets, where your analysis will help us make responsible decisions while supporting sustainable growth. This is an opportunity to develop your underwriting expertise, learn from colleagues in different markets and contribute ideas that improve how the team works.

Main 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 your findings together into structured, well-supported risk recommendations
• Document your analysis, rationale and findings clearly, ensuring that decisions are transparent, traceable and appropriately supported
• Escalate cases in line with team procedures and work with colleagues across markets and functions.
• Play an active role in shaping and improve underwriting standards, processes and risk strategies across supported markets and ecosystems.

Qualifications

What you should bring:

• You bring a foundation in underwriting, merchant risk assessment, credit risk or a related analytical field, and the curiosity to keep learning
• An analytical mindset and the ability to draw clear conclusions from varied information
• Good judgement, attention to detail and the confidence to raise questions
• A degree in Finance, Economics or a related field
• Professional fluency in English; German or Dutch is an advantage.
• Location: Amsterdam or Heerenveen, Netherlands.

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 .

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Date: Oct 19, 2026

Work Location: Heerenveen, KR Poststraat 90-5, Netherlands

Job Segment: Risk Management, Underwriter, Finance, Insurance

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