Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.
At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.
We are the Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business.
The Risk team is based in London and covers Risk analytics, Decision Science, Underwriting and Collections. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are now looking for a Credit Risk Analyst to join us on this journey.
We're looking for someone who enjoys solving complex problems through data and analysis. This is an ideal role for an analytical thinker who is naturally curious, enjoys investigating trends and identifying opportunities, and is motivated by seeing their work influence real business decisions.
You'll be comfortable taking ownership of projects - framing problems, conducting deep analysis, developing recommendations and working with stakeholders to implement change. While experience in credit risk is beneficial, we're primarily looking for an individual with strong analytical capability, commercial thinking and a track record of turning data into actionable insights.
Reporting to the Risk Manager, you'll help shape Liberis' credit risk strategy by delivering analytical insights, developing portfolio monitoring frameworks and driving strategic initiatives across our global products. You'll work closely with teams across Risk, Data Science, Analytics, Product, Pricing and Commercial to ensure our lending decisions support sustainable growth while remaining within our risk appetite.
- Own analytical projects from initial problem definition through to recommendation and implementation.
- Perform deep-dive analyses to identify portfolio trends, emerging risks and opportunities for improvement.
- Develop and optimise credit risk strategies across the customer lifecycle, including acquisition and collections.
- Build and enhance forecasting models to provide forward-looking insight into portfolio performance and emerging trends.
- Design and maintain portfolio monitoring frameworks and dashboards, transforming data into clear business recommendations.
- Present analysis, insights and recommendations to senior stakeholders, influencing strategic business decisions.
- Identify opportunities to improve portfolio performance through changes to risk strategy, pricing, policy or operational processes.
- Partner closely with Analytics, Data Science, Product, Partnerships, Pricing and regional teams to deliver cross-functional initiatives.
- Help improve analytical processes, tooling and ways of working within the Risk team.
- Experience in an analytical role (we anticipate 2-5 years), with a strong track record of using data to solve complex business problems, generate actionable insights and influence decision-making.
- Demonstrated ownership of analytical projects, taking work from problem definition through analysis to implementation.
- Strong commercial judgement, with the ability to balance analytical evidence against business objectives.
- Excellent stakeholder management and communication skills, with the confidence to present complex findings clearly to both technical and non-technical audiences.
- Experience using SQL and at least one analytical language such as Python, SAS or R. Strong Excel skills are expected.
- Experience with data platforms such as Looker, Power BI, BigQuery or dbt is advantageous.
- Credit risk or financial services experience is beneficial but not essential. We're open to candidates from other analytical backgrounds who can demonstrate strong problem-solving capability and a desire to learn.
What happens next?
Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!
Our hybrid approach
Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week, but ideally 4 days. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.
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Skills Required
- 2-5 years experience in an analytical role, using data to influence business decisions
- Right to work in the UK for a minimum of 2 years (no visa sponsorship)
- Proficiency with SQL
- Experience with at least one analytical language: Python, SAS or R
- Strong Excel skills
- Excellent stakeholder management and communication skills; ability to present to senior stakeholders
- Experience with Looker, Power BI, BigQuery or dbt
- Credit risk or financial services experience
What We Do
Liberis builds flexible embedded finance solutions that empower businesses and provide positive impact. Founded in 2007, Liberis is a leading global embedded finance platform with a mission to provide small businesses with accessible and responsible finance, based on the belief that funding should always be a positive force for small businesses. Liberis provides partners with the technology platform and financial solutions to offer hyper-personalised and accessible funding, empowering their small business customers to grow their revenues. With over 14 global strategic partners and direct reach to more than 1 million small businesses, Liberis has provided nearly $1bn of funding in over 45,000 transactions, enabling over 100,000 jobs to be created and saved. Liberis’ revenue-based finance is a form of receivables finance, not a loan. Amounts advanced are subject to status and our underwriting process before any offer can be made.
