Risk Analyst - Portfolio Team (UK)

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 Credit Risk Analyst to join us on this journey.   The role   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.     What you will be doing   * 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.     What we think you'll need   * 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.    #LI-CG1

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE We’re looking for an analytically-minded Credit & Commercial Senior Analyst to work our commercial & pricing strategy in our motor finance team (Autolend). This role is suitable for someone who loves using strong analytics to optimise our business, improve funnel performance while still delivering a good portfolio return. You’ll be entrusted with thought leadership on our commercial strategy, and have a large remit to set up and optimise our pricing to help achieve our objectives. You'll be part of a collaborative, ambitious organisation where ideas are encouraged and bureaucracy is minimal. Your work will have a tangible impact, driving strategic decisions and enhancing our portfolio performance. TEAM'S OBJECTIVES: Autolend is building high performing portfolios, with bold growth targets and a commitment to responsible lending. Your core responsibilities include: * Optimising our pricing strategy, how much to lend and at what interest rate. * Improving our conversion funnel, responding to qualitative feedback as well as data insights. * Building a product that our customers and partners love. HOW YOU'LL IMPACT THOSE OBJECTIVES * Define our multi channel pricing & commercial strategy and continuously optimise it to grow the business while maintaining strong returns * Discover insights from data using tools like Python and SQL to find opportunities and optimise our strategy * Seek out novel strategies and commercial approaches we can take advantage of * Obsess over competitor trends and our performance through our diverse acquisition channels, responding quickly to changes in the market * Collaborate cross-functionally with product, engineering, data, and our external partners to improve funnel performance * Monitor and assess the success of implemented strategies and continuously identify areas for improvement. WHAT YOU'LL NEED TO SUCCEED * Daily coding experience, with proficiency in Python and SQL ideally * Proven experience in credit risk or commercial strategy roles, ideally within consumer lending. * A strategic mindset and the ability to translate complex data into clear, actionable decisions. * A focus on delivering results that align with both commercial and customer needs. * A collaborative, open approach and a willingness to challenge your own assumptions * Experience working in marketing / growth roles is a plus, but not required! INTERVIEW PROCESS We’re not corporate, so we try our best to get things moving as quickly as possible. * An initial phone conversation with a member of our team. * Onsite interviews, including a practical case study and team conversations. * A final discussion with a member of our executive leadership (C-suite). LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!