Senior Technical Business Analyst (m/f/d)

Everyone's story matters. Come shape your story with us at Riverty.

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.

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.

Key Responsibilities

• Lead end-to-end business analysis initiatives across complex, cross-functional projects, from discovery through delivery and post-implementation evaluation.
• Act as a domain expert in customer risk, fraud prevention, and underwriting (BNPL / Consumer Finance), proactively identifying opportunities for optimization and innovation.
• Partner with product leadership, engineering, data science, and stakeholders to shape product strategy and influence roadmap decisions.
• Drive the decomposition of large initiatives into epics and user stories, ensuring clarity, scalability, and alignment with architectural principles.
• Own and refine business and system requirements, ensuring consistency across systems (e.g., workflow engines, decision systems, data platforms).
• Assess the impact of regulatory, risk, and fraud-related changes (e.g., BaFin or EU requirements) on systems and processes.
• Ensure high-quality delivery by defining acceptance criteria, supporting testing strategies, and validating complex business logic.
• Mentor and support junior analysts, promoting best practices in documentation, analysis, and stakeholder communication.
• Contribute to continuous improvement of analysis frameworks, tooling, and team ways of working.

Skills & Qualifications

• Degree in Business Informatics, Computer Science, Economics, or a comparable field.
• 5+ years of experience as a Technical Business Analyst (or similar role) 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.
• Advanced ability to translate business needs into scalable system designs, including APIs, workflows, and data models.
• Deep experience working in agile environments (Scrum/Kanban), including backlog ownership and refinement.
• Excellent analytical thinking, problem-solving, and stakeholder management skills.
• Strong communication skills, with the ability to engage both technical and non-technical audiences.
• High level of ownership, autonomy, and decision-making capability.
• Fluency in English. German language skills are a strong plus.

Nice to Have

• Experience with BNPL, consumer finance, or credit risk decisioning systems.
• Hands-on experience with data analysis tools (e.g., Python, SQL, Databricks, Power BI).
• Familiarity with fraud detection systems and rule/ML-based decision engines.
• Exposure to regulatory requirements in banking and financial services (e.g., BaFin, PSD2, GDPR).
• At Riverty, you can be who you are. We are committed to creating an inclusive environment and a culture of appreciation, enriched by our employee networks.
• Prioritize your health with supported sports and leisure activities.
• Take advantage of our numerous training and development opportunities! Enhance your skills with training offered by the Bertelsmann University, language courses, or leadership training.
• Benefit from our discounts on Bertelsmann products and financial incentives.
• With our diverse work models, you can tailor your work to your preferences. Take advantage of mobile office, flexible working hours, and part-time models.