About the role

Aplyr's Quick Take

This role is for a Senior Credit Risk Analyst who will develop and implement credit risk strategies to support small businesses while managing the company's risk appetite. You'll work independently on various projects, using data analysis to inform decisions and present findings to stakeholders.

Good fit

Ideal candidates have experience in credit risk analysis, are comfortable with statistical tools, and thrive in a role that allows for autonomy and creativity. A background in finance or analytics, along with a passion for supporting small businesses, is essential.

Worth noting

The company does not offer visa sponsorship, so applicants must have the right to work in the UK for at least two years. The role emphasizes innovation and the development of strategies that balance risk and returns.

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, appreciate autonomy and the space to generate your own ideas and are 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 be able to present results in a concise way 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, Big Query) or Power BI
Clear communication skills, with the ability to explain complex findings simply and persuasively

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 & Tags

python go ai ios data analytics product design

Aplyr's read

Liberis offers innovative revenue-based financing for SMEs, attracting professionals keen on fintech advancement and SME empowerment.
Synthesized from recent postings & public sources

What's promising

•Liberis provides flexible financing solutions tailored to SME needs, enhancing their growth potential.
•The company is at the forefront of fintech innovation, focusing on revenue-based financing models.
•Recent hiring in financial crime and risk management indicates a strong focus on security and compliance.

What to watch

•Revenue-based financing can be risky if SMEs underperform, impacting repayment capabilities.
•Limited public information about company culture and employee satisfaction.
•Competitive fintech market may pressure Liberis to continuously innovate and adapt.

Why Liberis

•Liberis uses a unique revenue-based financing model, differing from traditional loan structures.
•The company targets SMEs specifically, a niche often underserved by traditional financial institutions.
•Liberis integrates technology to streamline financing processes, enhancing efficiency and customer experience.

Aplyr’s read is generated by AI from public sources. Was it useful?