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

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.

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.

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.

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