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

Senior Business Analyst (m/f/d) in the Product team to shape and deliver the Consumer Risk Platform, the core capability behind real-time credit decisioning, fraud prevention, and customer risk assessment in BNPL and checkout products. Works at the intersection of Product, Risk, Data Science, Compliance, and Engineering. Location: Berlin, hybrid working conditions available.

Responsibilities

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 the 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 analysis frameworks and ways of working

Requirements

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