Head of Credit Risk

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

Triple Point

Since 2004, we’ve been bringing investment ideas to life and connecting capital with the right people and opportunities. Today, we manage more than £2.5 billion for a broad range of investors across five key investment strategies: Private Credit, Social Housing, Clean Heat, Energy and Venture. These strategies underpin the innovative range of investments we offer to both private (retail) and institutional clients.  There are 230+ employees at Triple Point, all committed to leaving the world demonstrably better than we found it. That’s why we’re a certified B Corp, signed up to the Principles for Responsible Investment, and were named a Sunday Times 'Best Place to Work  2025 & 2026'. If this sounds like an environment where you would flourish, then read on… The Function Triple Point Private Credit provides tailored lending solutions to lower mid-market businesses and specialist asset-backed sectors through its SME Debt Finance, Corporate Leasing & Lending, Property Development, Specialty Finance and Funds Finance strategies. By combining commercial expertise with flexible financing solutions, the team supports business growth while protecting investor capital. The Team The Credit & Risk team sits within the Group Risk & Compliance function and provides independent oversight across the Private Credit platform. Partnering with lending and portfolio management teams throughout the lending lifecycle, the team establishes and maintains the governance, frameworks and oversight that support consistent lending decisions, effective portfolio management and disciplined restructuring across all of Private Credit's lending strategies. Credit & Risk team members work collaboratively across credit underwriting, portfolio monitoring, restructuring, recoveries and assurance, providing specialist expertise across all of Private Credit's lending strategies. The Role The role is responsible for reviewing and challenging lending proposals across multiple verticals including SME Debt Finance, Property Development Finance, Corporate Lending & Leasing, Speciality Finance and Funds Finance. Working closely with origination teams, product heads and the Head of Credit, the Senior Credit Director ensures that transactions are approved within risk appetite and credit governance is applied consistently across the platform. This role is focused on transaction underwriting and credit governance. The Senior Credit Director s a voting member of Private Credit Credit Committees and supports the Head of Credit in maintaining overall portfolio discipline and credit culture. This role is focused on transaction underwriting and credit governance. Key Responsibilities  Credit Governance & Risk Discipline * Support the Head of Credit in maintaining a consistent credit framework and underwriting discipline across the platform. * Ensuring lending proposals are aligned with internal credit frameworks. * Maintaining consistency in underwriting standards across different lending products. * Helping identify emerging risks across sectors or product types. * Supporting improvements to credit policies, frameworks and review processes. Credit Committee & Deal Evaluation * Leading voting member of Triple Point Credit Committees, providing independent challenge and credit insight all lending verticals including: * SME Debt Finance * Property Development Finance * Corporate Lending & Leasing * Speciality Finance * Funds Finance * Assessing transaction structure, repayment mechanics and downside protection working with deal teams pre-application on a case-by-case basis to assist with structuring more complex transactions. * Challenging assumptions within financial models, valuations and exit strategies. * The role will often focus on larger, complex or higher-risk transactions where additional credit scrutiny is required.  Collaboration with Origination Teams *  Work closely with Origination and Product teams to support origination activities. * Support post approval completion activities – particularly documentation and security queries.  Support to Head of Credit  * Supporting committee preparation and decision processes. * Acting as escalation point for complex credit matters. * Contributing to credit strategy discussions. * Supporting internal credit training and knowledge sharing. Over time the role may include line management responsibilities within the credit team. Knowledge & Experience Essential * A proven background in a Credit Committee or Credit decision making environment covering lending transactions in a Private Credit, non-bank lending or Mid-Market (or above) Lending organisation. * Experience and clear understanding of technical lending landscape from activities across SME or Mid-Market Corporate lending covering areas such as leverage finance, structured finance or other event driven finance activities. * Ability to assess a broad range of lending structures including cashflow lending, asset-backed lending and development finance. * Strong financial analysis and bespoke structuring capability. * Experience participating in investment or credit committees. * The ability to challenge constructively while maintaining productive relationships with deal teams. * Strong judgement when assessing downside risk and recovery scenarios. Desirable * Experience across multiple lending products (rather than a single specialism) * Experience in dealing with distress lending situations * Prior lending experience in Funds Finance and Speciality Finance * Prior experience in rolling out new team structures in growing business environment. Why Join us? * You’ll join a talented, collaborative team in a connected environment where ideas and initiative are valued. * Be part of a growing and innovative team * We offer a competitive salary, a comprehensive benefits package, and genuine opportunities for growth and progression. * Opportunities for professional development and career progression. * At Triple Point, high performance means living our values every day: * Stay Curious. * Be Generous. * Take Thoughtful Action. * Pull Together. * Own It. In line with our values Stay Curious and Take Thoughtful Action every employee has access to ChatGPT Enterprise and is encouraged to explore how AI and automation can enhance their work. We see technology as a co-pilot, helping us improve efficiency and insight while keeping decisions grounded in thoughtful human judgement.   Triple Point offers a wealth of benefits including a contributory pension, hybrid/flexible working and ongoing learning and development opportunities. Check out our comprehensive list of benefits HERE.  Apply today for further information! Triple Point is dedicated to providing fair and equal opportunities for all individuals, including both current and potential employees. Discrimination of any kind based on factors such as age, disability, gender, sexual orientation, pregnancy, race, ethnicity, religion, gender identity, or marital status is not tolerated by the company. Our aim is to create a welcoming and diverse work environment where people from all walks of life feel valued and supported. We actively encourage individuals from various backgrounds to apply for job vacancies and become part of our team.  STRICTLY NO AGENCIES

Lendable

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 Senior Credit Risk Analyst ready to support driving meaningful change in our consumer finance products in the UK or USA markets. This role is ideal for someone who is confident with data, comfortable coding, and eager to solve complex problems. 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. Your team's objectives Our credit teams are building high-performing portfolios, with bold growth targets and a commitment to responsible lending. Within the credit function, our core responsibilities include: * Optimising credit decisioning: who to lend to, how much to lend, and at what interest rate. * Assessing and adapting to external economic conditions. * Developing and owning models that forecast returns and guide investor reporting. How you'll impact those objectives * Define and refine credit strategies that align with our evolving portfolio goals. * Discover insights from data using tools like Python and SQL to address key business questions. * Collaborate cross-functionally with product, engineering, data, and operations teams to implement strategies. * 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/or SQL * Proven experience in credit risk strategy, ideally within credit card 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 Interview Process * An initial phone conversation with our Talent Team * Case study interviews * Onsite interview with Head of credit + logistical reasoning task 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!