Business Line Manager – Pay & Credit (m/f/d)

About the role

Riverty, a payments company within the Bertelsmann group, is looking for a Business Line Manager – Pay & Credit (m/f/d) to join its team in Luxembourg. Working directly with the Business Line Lead, you will help shape and execute the Buy Now Pay Later (BNPL) and consumer credit business across Europe. The role is full-time, unlimited and offers flexible working conditions.

Key responsibilities

• Drive strategic and cross-functional initiatives from the initial business question through analysis, stakeholder alignment and decision-making to implementation and performance follow-up.
• Analyse key business drivers, identify opportunities and turn insights into actionable recommendations.
• Assess new propositions, partnerships and growth initiatives from a strategic and commercial perspective.
• Build and challenge business cases combining commercial, financial, product, operational and risk perspectives.
• Coordinate underwriting and credit performance topics, assessing their impact on conversion, credit losses, volumes, customer experience and profitability.
• Support Business Line steering and governance forums so that topics are structured, decisions are prepared and agreed actions are followed through.
• Act as a cross-functional integrator across Product, Underwriting, Risk, Finance, Sales, Marketing and Operations.

Required profile

• Around 5 years of professional experience in consulting, strategy, business development, project or program management, financial services, corporate finance or a comparable cross-functional role.
• Proven ability to drive complex projects across multiple stakeholders, even without direct authority over the teams involved.
• Experience in payments and/or consumer credit is a plus but not required.
• Fluent English.

Required skills

• Strong analytical capabilities and experience with business cases, financial modelling and management decision support.
• Project management and stakeholder management skills, with commercial thinking and a hands-on approach.
• Ability to structure complex and ambiguous problems into clear actions and decisions.
• Confidence working with senior stakeholders and challenging assumptions constructively.