Senior Credit & Commercial Strategy Analyst

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 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

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.