Head of Credit & Commercial Strategy

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

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!   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

Capital.com

We are a leading trading platform that is ambitiously expanding to the four corners of the globe. Our top-rated products have won prestigious industry awards for their cutting-edge technology and seamless client experience. We deliver only the best, so we are always in search of the best people to join our ever-growing talented team. The Head of Risk will be the accountable risk leader for the UK entity, responsible for ensuring that all material risks affecting UK clients, regulatory posture, and operational resilience are identified, assessed, monitored, and reported effectively. This is a broad role covering financial risk (excluding direct dealing oversight), operational risk, conduct risk, and third party/outsourcing risk. A defining characteristic of this role is its operating model. Many core risk functions are delivered by the Group Risk team on an outsourced or shared services basis. The Head of Risk does not need to build and staff every capability locally. Instead, they must be skilled at managing outsourced service delivery: defining what the UK entity requires, holding Group Risk accountable for quality and timeliness, identifying gaps or conflicts between Group delivery and UK regulatory obligations, and escalating where service levels or outputs fall short. This creates a dual mandate. The role holder must be a credible, senior risk professional who can engage substantively with risk content (frameworks, stress tests, MI, regulatory submissions). They must also be an effective governance operator who can manage intra group outsourcing relationships with the same rigour the FCA would expect for any outsourced critical or important function. The role reports directly to the UK CEO with a functional dotted line to the Group CRO. The Head of Risk will be the primary risk voice in UK governance forums and the lead point of contact for FCA supervisory engagement on risk matters.