Liberis

Head of Credit Risk Management - Embedded Finance

Posted 3 Days Ago

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London, Greater London, England, GBR

In-Office

Senior level

Financial Services

The Role

Lead Liberis' credit risk strategy and appetite, manage portfolio performance across products and partners, and oversee Portfolio Management & Analytics, Underwriting, and Collections & Recoveries. Partner with Commercial, Finance, Pricing, Decisioning, ML, Product and Operations to enable growth while controlling risk-adjusted returns. Build and retain high-performing teams, establish governance and decision frameworks, contribute to new products and market expansion, and provide actionable risk insights to senior leadership.

Summary Generated by Built In

Some key info for you about Liberis:

🌱 We were founded in 2007

💰 We have provided over $3bn of funding to small businesses so far

🚀 We have been named in CNBC & Statista Top 150 UK Fintechs for 2025

🌍 We're a global team, with a dynamic presence in 6 key locations around the world

🧠 We're a thriving community of over 290 innovative minds

👩🏾 🤝 👨🏼 We're a vibrant melting pot, celebrating over 27 nationalities in our team

🏢 Our team brings experience from over 740 previous companies, from startups to global giants

🎯 We have just been named as one of FinTech’s Finest 50 by Welcome to the Jungle

💪 We’re proud to be an accredited Real Living Wage employer, ensuring everyone is paid fairly for the great work they do!

At Liberis, we are on a mission to provide accessible and responsible finance to small businesses through our embedded finance partnerships! As Head of Credit Risk Management, you will play a key role in delivering our risk strategy and ensuring that risk management supports sustainable and profitable growth.

Reporting to the VP of Risk, you will be responsible for evolving and managing Liberis' risk appetite framework, monitoring portfolio performance and partnering closely with teams across Commercial, Finance, Pricing, Decisioning, Machine Learning, Product and Operations. You will help ensure Liberis continues to grow responsibly, supporting new products, strategic partnerships and expansion into new markets while maintaining strong portfolio performance.

You will lead three core functions within Risk: Portfolio Management & Analytics, Underwriting, and Collections & Recoveries. Through these teams, you will drive strong risk outcomes, optimise portfolio performance and help ensure risk remains a strategic enabler of growth across the business.

This role is ideal for a commercially minded risk leader who enjoys combining analytical rigour with cross-functional collaboration to deliver strong business and customer outcomes.

What you'll be doing:

Own and evolve Liberis' risk appetite framework, keeping it aligned with business growth and strategic direction.
Monitor and manage portfolio performance across products, partners and geographies, ensuring risk stays within appetite.
Act as a strategic partner to Commercial, Finance, Pricing, Product and Operations — enabling growth while managing risk-adjusted returns.
Contribute to new product development, partnerships and market expansions.
Lead three core functions — Portfolio Management & Analytics, Underwriting, and Collections & Recoveries — driving strong outcomes across all three.
Build, develop and retain high-performing teams, establishing strong governance and decision-making frameworks.
Provide clear, actionable risk insights to senior leadership to inform business decisions.

What We Think You'll Need

Significant credit risk leadership experience in lending, fintech or embedded finance, ideally in unsecured SME credit.
Deep understanding of the full credit lifecycle — PD/LGD/ECL, IFRS 9, risk appetite, and portfolio management in a growth-oriented environment.
Proven track record leading underwriting, portfolio management or collections functions.
Strong commercial instincts — you see risk management as a growth enabler, not just a control function.
Ability to lead cross-functional collaboration and influence senior stakeholders across a complex organisation.
Data-driven mindset with experience using analytics and technology to improve risk and operational outcomes.

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. 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.
#LI-FC1

Skills Required

Significant credit risk leadership experience in lending, fintech or embedded finance
Experience in unsecured SME credit
Deep understanding of full credit lifecycle: PD, LGD, ECL and IFRS 9
Proven track record leading underwriting, portfolio management or collections functions
Strong commercial instincts and ability to view risk as a growth enabler
Ability to lead cross-functional collaboration and influence senior stakeholders
Data-driven mindset with experience using analytics and technology to improve risk and operational outcomes
Willingness to work hybrid with at least 3 days per week in the office

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The Company

HQ: London

216 Employees

Year Founded: 2007

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.