Credit Risk Analyst London, United Kingdom

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 Risk team is 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.

You are someone that is excited by the prospect of a challenge, appreciate autonomy and the space to generate your own ideas and are passionate about finance that serves to support small businesses, not just turn a profit. Reporting to the Risk Manager you will develop best in class credit risk strategies that reward our members and deliver value to Liberis.

You will have the opportunity to work on a broad range of projects and workstreams that provide credit risk insights while ensuring we stay within the organisation’s risk appetite. You should have experience in a similar analytical role in the credit risk environment where you have used statistical and analytical tools to drive innovative strategy changes. You should be able to derive insights from data and be able to present results in a concise way to relevant stakeholders.

What you will be doing:

• Develop and monitor credit risk strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections.
• Develop and maintain frameworks to monitor portfolio risk performance, ensuring it’s within agreed risk appetite; transforming data into recommendations.
• Lead analytical deep-dives into portfolio trends and emerging risks.
• Represent risk to the wider business, driving changes via the product team and presenting analytical work to senior management.
• Identify and deliver risk performance improvements across Liberis’ existing and new products globally - from pricing adjustments to policy changes.
• Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Partnerships, Pricing and UK/US/European teams.

What we think you'll need:

• 2–4 years of experience in an analytical role working on credit risk strategies, portfolio analysis, or lending products.
• Demonstrated ability to identify emerging risks and propose practical actions or strategy changes based on data.
• Evidence of taking ownership of analyses and driving work through to recommendations and outcomes.
• Good commercial awareness - able to balance risk and return when forming recommendations.
• Experience working across functions - comfortable managing stakeholders at different levels, presenting risk recommendations to product, commercial, or leadership teams, and adapting your message to the audience.
• Hands‑on experience with data (SQL, Python, SAS or similar), strong Excel skills, Google Cloud Platform tools (Looker, dbt, Big Query) or Power BI.
• Clear communication skills, with the ability to explain complex findings simply and persuasively.

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.