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.
The team
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 Senior Credit Risk Analyst to join us on this journey.
The role
You are someone that is excited by the prospect of a challenge, appreciates autonomy and the space to generate your own ideas, and is passionate about finance that serves to support small businesses, not just turn a profit.
Reporting to the Risk Manager, you will develop best‑in‑class credit risk strategies that reward our members and deliver value to Liberis. You will have the opportunity to work on a broad range of projects and workstreams that provide credit risk insights while ensuring we stay within the organisation’s risk appetite.
You should have experience in a similar analytical role in the credit risk environment where you have used statistical and analytical tools to drive innovative strategy changes. You should be able to derive insights from data and present results concisely to relevant stakeholders.
What You Will Be Doing
* Develop and monitor credit risk strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections.
* Develop and maintain frameworks to monitor portfolio risk performance, ensuring it’s within agreed risk appetite; transforming data into recommendations.
* Lead analytical deep‑dives into portfolio trends and emerging risks.
* Represent risk to the wider business, driving changes via the product team and presenting analytical work to senior management.
* Identify and deliver risk performance improvements across Liberis’s existing and new products globally — from pricing adjustments to policy changes.
* Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Partnerships, Pricing and UK/US/European teams.
What We Think You'll Need
* 2–4 years of experience in an analytical role working on credit risk strategies, portfolio analysis, or lending products.
* Demonstrated ability to identify emerging risks and propose practical actions or strategy changes based on data.
* Evidence of taking ownership of analyses and driving work through to recommendations and outcomes.
* Good commercial awareness — able to balance risk and return when forming recommendations.
* Experience working across functions — comfortable managing stakeholders at different levels, presenting risk recommendations to product, commercial, or leadership teams, and adapting your message to the audience.
* Hands‑on experience with data (SQL, Python, SAS or similar), strong Excel skills, Google Cloud Platform tools (Looker, dbt, BigQuery) or Power BI.
* Clear communication skills, with the ability to explain complex findings simply and persuasively.
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