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

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.

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.

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.