It includes the broadcaster RTL Group, the trade book publisher Penguin Random House, the magazine publisher Gruner + Jahr, the music company BMG, the service provider Arvato, the Bertelsmann Printing Group, the Bertelsmann Education Group, and Bertelsmann Investments, an international network of funds. Responsibilities include reviewing credit applications, maintaining accurate account records, resolving billing issues, following up on overdue accounts, and collaborating with internal teams to reduce credit risk.