Data Analyst - Credit Risk

Liberis

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 Credit and Commercial Strategy team with a goal to drive intelligent decision-making and pricing strategy by applying advanced statistical analytics to a wealth of data. At the heart of the Risk function, our focus is to deliver high-quality instant decisions and pricing strategies for our customers around the world. Risk team is a global team covering Portfolio Analytics, Credit and Commercial Strategy, Underwriting and Collections. We're on a mission to grow Liberis into the world's leading embedded business finance provider, and we're looking for a Senior Credit & Commercial Strategy Analyst to help us make that happen!   The role   You'll design world-class decisioning and pricing strategies that deliver value to both our customers and Liberis. This is your chance to work on diverse projects that aim to fund as many customers as possible while staying within our risk appetite and to help us achieving our ambitious commercial goals. We're looking for someone with experience in an analytical role who can use data to solve business problems, influence decision-making, and deliver meaningful commercial insights.     What you’ll be doing   * Lead the development and optimisation of global decisioning strategies * Shape pricing strategy that balances risk, commercial value and customer outcomes * Make a meaningful impact to the business by driving positive outcomes for as many customers as possible * Explore new and current data sources to optimise decisioning and pricing policy * Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment * Represent Risk to wider business; collaborating with Product and Commercial teams to unlock business value * Work closely with the Machine Learning team on the life cycle of predictive model; propose features for future development * Own and continue to improve the monitoring capability for auto-decisioning rules and predictive models   What we think you’ll need   * 2-4 years of experience in an analytical role * A strong analytical mindset with a passion for turning complex data into insights * The ability to communicate your findings clearly and effectively * A proactive approach to driving initiatives in a dynamic environment * A keen eye for detail without losing sight of the bigger picture * Confidence to work autonomously, while knowing when to seek support * An appetite to understand machine learning models and how they are developed * Proficiency in SQL is required * Strong MS Excel skills are required * GCP experience and Python skills are a plus * Experience with data visualization tool such as PowerBI, Looker. * A solid STEM background is great, but we care more about aptitude than formal education   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

Liberis

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!   The team: Play a critical role in the newly formed Credit & Commercial Strategy team by bringing together Pricing, Decisioning & AI/ML Credit modelling and leveraging a world-class, data-led Credit approach to deliver exceptional outcomes for SMEs and partners. Working between the Credit & Commercial Strategy craft and Platform Families, this is a keystone role to drive Liberis’ growth. The role: Own the development of central pricing & decisioning capabilities including unit economics tracking and projections, yield targets and analytics and frameworks, decisioning monitoring, evaluation and testing frameworks, and scalable tooling for pricing and decisioning operations. Manage a skilled team of pricing and decisioning analysts who support both central analytics and tools/models, as well as specific initiatives on Family P&L units brought in through the Head of Credit and Commercial Strategy within each Family. Contribute credit expertise and guide priorities to AI/ML engineers working within the Credit & Commercial Strategy function, providing crucial input on the business priorities to guide design and configurability of AI/ML products.• Commission and co-build new pricing and decisioning approaches with the Credit and Commercial Strategy craft, translating family-specific needs in close collaboration with Family Heads of Credit & Commercial Strategy into generalised, scalable model requirements and highly configurable toolkits for deployment within P&L units.   What we think you’ll need: * Strong grounding in financial modelling, unit economics and risk & credit, with an ability to connect deep insights and tool/model design into strategic priorities and decisions. * Strong systems-thinking with an instinct for scalability – experience taking ad hoc analyses or frameworks and make more robust, productise or automate them, for integration into wider cross-functional business decision processes. * Experience managing and up-skilling analytical teams and managing multiple priorities and tight timelines whilst maintaining quality standards. * Cross-functional collaborator - able to work across product, engineering, risk, and commercial within the family and bring those perspectives together around a coherent credit and commercial approach * At ease with ambiguity and new product design - many of the problems this role tackles won't have existing playbooks, and you'll need to build the approach from first principles. * Clear communicator: able to translate complex credit and commercial concepts into practical guidance for engineers, product teams, commercial leads, and GMs who aren't credit specialists. * Able to produce clean, clear narratives and visual presentations of insights and data into complex systems. 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

Pantheon

Pantheon has been at the forefront of private markets investing for more than 40 years, earning a reputation for an innovative approach to investing in secondaries, co-investments, and primary fund investments, as well as capital formation across commingled funds, evergreen vehicles and customized solutions. Our specialist investment capabilities span multiple strategies across private equity, infrastructure and real assets, and private credit. Through our collaborative and committed culture, we find new ways to solve complex problems together and deliver innovative investment opportunities across private markets. Pantheon currently manages approximately $82.3 billion in AUM across all its strategies, serving more than 750 institutional and 638 private wealth clients worldwide For further details please visit www.pantheon.com Purpose of Role  The role will be responsible for the ongoing assessment and monitoring of Investment Risk at both portfolio and deal level across Pantheon’s private markets platform, with an initial focus on Private Credit. The role will provide independent evaluation of existing and emerging risks, taking a proactive approach towards management and mitigation of risks identified. While a second line of defence, the individual will work closely with investment teams and portfolio management teams to understand risk profiles and how these develop as portfolios mature. They will ensure that capital allocation aligns with each fund's stated investment strategy, LPA limits and investment restrictions, internal soft targets, and regulatory requirements. The individual will produce risk analytics for review and discussion with investment teams and portfolio management teams, with results used to improve investment outcomes for investors. There will be continued development of current tools that will ultimately allow Pantheon to further improve risk analytics to enhance monitoring of our portfolios. The role will support the development of the risk framework, taking ownership of the build-out of risk processes and tools. Key Responsibilities   Manage and monitor investment risk across Private Credit (Primaries, Secondaries and Co-investments), involving: * Portfolio management oversight, including adherence to LPA limits, internal soft targets, and relevant regulatory requirements. * Understanding of investment processes and portfolio construction through regular interaction with investment teams * Attending Investment Committee(s) for relevant area  * Assessment of any changes to internal portfolio limits/targets against its risk profile * Ongoing development of analytical tools to assist better portfolio monitoring as determined by Group needs and requirements * Supporting the continuous refinement of the oversight model and process * Reporting on portfolio management activities and presenting the results to the appropriate governing body (eg Risk Committees and Fund/AIFM Boards) and stakeholders. In-depth risk reviews of deals/portfolios as appropriate * Ensuring compliance with relevant laws, regulations and Pantheon policy (including reporting compliance risks and maintaining appropriate standards of conduct) Skills and Experience Required   * Deep understanding of Private Credit investment dynamics * Strong numerical and analytical skills such that the individual can collate, interpret and analyse portfolio, risk and performance data * MS Office, especially Excel including basic VBA. Experience with Bloomberg terminal considered an advantage. AI tool usage would be an advantage * Masters degree preferred * Critical thinking * Appreciation of risk, and how risks can be mitigated This job description is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. You may be required to perform other job-related duties as reasonably requested by your manager. Pantheon is an Equal Opportunities employer, we are committed to building a diverse and inclusive workforce so if you're excited about this role but your past experience doesn't perfectly align we'd still encourage you to apply.