At a Glance
- Tasks: Lead global credit strategy and oversee underwriting functions for innovative growth capital.
- Company: Join Liquidity, the leading AI-powered private credit firm transforming growth capital.
- Benefits: Competitive salary, leadership opportunities, and a chance to shape the future of finance.
- Other info: Collaborative culture with opportunities for professional development and industry representation.
- Why this job: Make a real impact in a dynamic environment while driving responsible growth.
- Qualifications: 15+ years in underwriting with strong leadership and analytical skills required.
The predicted salary is between 120000 - 150000 £ per year.
Liquidity is the world’s leading AI-powered private credit firm, pioneering a new standard in growth capital through a nexus of the sharpest minds in private credit and technology. With a global reach and regional expertise in every key market across North America, Europe, APAC and MENA, Liquidity supports visionary growth and mid‑market companies in 45+ sectors, deploying multi‑billion‑dollar capital with unmatched speed, precision and adaptability. Powered by breakthrough decision science technology that deploys growth capital faster than any firm in capital markets history, Liquidity clears the path for innovative companies to move further, faster and at scale. Built on trust, Liquidity is backed by leading financial institutions including MUFG Bank Ltd., Spark Capital and KeyBank.
About the role:
Liquidity is seeking a highly experienced Head of credit and risk to lead the firm’s global credit strategy, underwriting function, and risk governance. In this executive leadership role, you will be responsible for setting the company’s credit philosophy, underwriting standards, and risk appetite, while ensuring disciplined, scalable decision‑making across all lending activities. You will oversee the global underwriting organization, guide complex credit decisions, and play a central role in Credit Committee deliberations and portfolio oversight. Partnering closely with Origination, Legal, Risk, and Portfolio Management teams, you will ensure Liquidity continues to grow responsibly while maintaining strong credit performance and protecting investor capital. This role requires exceptional credit judgment, deep experience structuring complex credit transactions, and proven leadership in building high‑performing underwriting teams.
Responsibilities
- Lead and scale the underwriting function across a national loan portfolio
- Set and enforce credit policy, underwriting standards, and risk frameworks
- Provide senior‑level structuring guidance and downside risk analysis
- Oversee underwriting workflow, team development, and execution consistency
- Serve as a key voice in Credit Committee discussions
- Partner closely with originations, legal and risk teams.
- Set underwriting strategy, appetite, and guidelines for the company
- Lead, mentor, and develop the underwriting global team
- Oversee underwriting quality, referrals, and complex risk decisions; ensure consistency across territories and segments.
- Monitor portfolio performance (loss ratios, rate adequacy, hit ratios, retention, exposure and ETC); implement corrective actions when required.
- Lead risk assessments and develop tailored structuring and mitigation strategies to effectively manage elevated credit and operational risks, including distressed debt situations.
- Represent Liquidity at market meetings, conferences, and industry events; communicate appetite, capabilities, and differentiation.
- Champion process improvements, leveraging analytics, tools, and workflow automation for efficiency and control.
- Collaborate with Claims on trend insights and with Legal/Compliance on policy language, endorsements, and emerging risks.
Requirements
- 15+ years of underwriting experience. Private credit/ Banks/ Debt funds
- 10+ years of people leadership (managing managers or multi‑level teams) with demonstrated coaching and performance management.
- Strong analytical acumen with experience using underwriting and portfolio performance metrics to drive decisions.
- Excellent communication and relationship‑building skills with the ability to influence across functions and levels.
- Strong credit judgment across sponsor risk, budgets, lease‑up, take‑out analysis, and capital structure
- Ability to balance growth with disciplined risk management
Head of Credit & Risk in London employer: Israelvcforum
At Liquidity, we pride ourselves on being a forward-thinking employer that champions innovation and collaboration in the financial sector. Our dynamic work culture fosters professional growth through mentorship and leadership opportunities, while our commitment to cutting-edge technology ensures that our employees are at the forefront of the private credit industry. Located in a vibrant market, we offer a unique environment where talented individuals can thrive and make a meaningful impact on the future of growth capital.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit & Risk in London
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join relevant groups on LinkedIn, and don’t be shy about reaching out to folks at Liquidity. Building relationships can open doors that a CV just can’t.
✨Showcase Your Expertise
When you get the chance to chat with potential employers, make sure to highlight your experience in credit and risk management. Share specific examples of how you've led teams or made tough decisions that positively impacted your previous companies.
✨Prepare for Interviews
Do your homework on Liquidity and its approach to credit and risk. Be ready to discuss how your vision aligns with their goals. Practise common interview questions and prepare some insightful questions of your own to show you're genuinely interested.
✨Apply Through Our Website
Don’t forget to apply directly through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re proactive and really keen on joining the team at Liquidity.
We think you need these skills to ace Head of Credit & Risk in London
Some tips for your application 🫡
Tailor Your CV:Make sure your CV reflects the skills and experiences that align with the Head of Credit & Risk role. Highlight your underwriting experience and leadership skills, as these are key for us at Liquidity.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to tell us why you're passionate about credit and risk management. Share specific examples of how you've led teams and made impactful decisions in your previous roles.
Showcase Your Analytical Skills:Since this role requires strong analytical acumen, be sure to include any relevant metrics or achievements that demonstrate your ability to use data in decision-making. We love numbers that tell a story!
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for this exciting opportunity at Liquidity!
How to prepare for a job interview at Israelvcforum
✨Know Your Numbers
As a candidate for the Head of Credit & Risk position, you should be well-versed in key metrics related to underwriting and portfolio performance. Brush up on loss ratios, rate adequacy, and hit ratios, and be ready to discuss how you've used these metrics to drive decisions in your previous roles.
✨Showcase Your Leadership Style
This role requires strong people leadership skills, so be prepared to share specific examples of how you've managed and developed high-performing teams. Discuss your coaching techniques and how you've fostered a culture of accountability and excellence within your teams.
✨Demonstrate Analytical Acumen
Highlight your analytical skills by discussing complex credit transactions you've structured in the past. Be ready to explain your thought process and how you assess risk while balancing growth opportunities. This will show that you have the deep experience needed for this executive role.
✨Engage with Stakeholders
Since collaboration is key in this position, prepare to talk about how you've partnered with various teams like Origination, Legal, and Risk in your previous roles. Share examples of how you've influenced cross-functional discussions and decision-making processes to achieve successful outcomes.
