Head of Risk UK

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

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 craft and Platform Families, this is a keystone role to drive Liberis’ growth.   The role: Own credit and commercial strategy within your platform family: translating the GM's commercial priorities into clear credit and commercial questions; bring Liberis' credit and commercial frameworks (e.g. return hurdles, pricing models, segmentation) into family-level decisions, and flag where family priorities require new thinking or central support; subject matter expert able to clearly explain complex concepts + educate the team to build literacy Own commercial and credit initiatives and elements end-to-end: for example, with an "Auto-Flex" proposition, how should funded amounts and initial prices be set? How do limits and prices evolve dynamically as repayment data comes in?; in a tactical performance push, identify ways to hit and exceed performance targets• Collaborate across the cross-functional family - product, engineering, underwriting, commercial – to ensure credit and commercial strategy is a first-class input into roadmap and go-to-market decisions, not a late-stage constraint Commission and co-build new models and decisioning approaches with the Credit and Commercial Strategy craft, translating family-specific needs into model requirements and validating outputs in context   What we think you’ll need: * Strong grounding in unit economics, credit, pricing and commercial modelling - enough to apply Liberis' frameworks to new product and partner contexts and know the right questions to ask of central model-builders * Comfortable operating in a matrix: reporting into a GM and aligned to a family's priorities, while working closely with the Credit and Commercial Strategy craft * 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 product teams, commercial leads, and GMs who aren't credit specialists 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!   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