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- Tasks: Develop and monitor credit risk strategies to support small businesses.
- Company: Liberis, a leading embedded business finance provider.
- Benefits: Hybrid working, competitive salary, and opportunities for professional growth.
- Other info: Collaborative environment with a focus on innovation and flexibility.
- Why this job: Make a real impact on small businesses while developing your analytical skills.
- Qualifications: 2-4 years in credit risk analysis with strong data skills.
The predicted salary is between 50000 - 60000 £ per year.
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 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.
The role involves developing 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 present results in a concise way to relevant stakeholders.
What you will be doing:
- Develop and monitor credit risk strategies, balancing risk against returns.
- 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.
- 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.
- 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.
Our hybrid approach 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.
Credit Risk Analyst New London, United Kingdom employer: Liberis Limited
Contact Detail:
Liberis Limited Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Analyst New London, United Kingdom
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, attend meetups, and connect with current employees at Liberis. A friendly chat can sometimes lead to opportunities that aren’t even advertised!
✨Tip Number 2
Prepare for those interviews by diving deep into credit risk strategies. Brush up on your analytical skills and be ready to discuss how you can balance risk and return. Show us you’re passionate about supporting small businesses!
✨Tip Number 3
Don’t just apply; engage! When you submit your application through our website, follow up with a quick email expressing your enthusiasm. It shows initiative and keeps you on our radar.
✨Tip Number 4
Be ready to showcase your data skills! Whether it’s SQL, Python, or Excel, have examples of how you’ve used these tools to drive insights. We love seeing how you can turn data into actionable strategies!
We think you need these skills to ace Credit Risk Analyst New London, United Kingdom
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk Analyst role. Highlight your experience in credit risk strategies and analytical tools, and don’t forget to showcase any relevant projects that demonstrate your ability to balance risk and return.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to express your passion for supporting small businesses through finance. Share specific examples of how you've driven strategy changes in previous roles and how you can contribute to Liberis’ mission.
Showcase Your Analytical Skills: In your application, be sure to mention your hands-on experience with data analysis tools like SQL or Python. Provide examples of how you've used these skills to derive insights and make recommendations that have positively impacted your previous employers.
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 the role. Plus, it shows you’re keen on joining our team at Liberis!
How to prepare for a job interview at Liberis Limited
✨Know Your Numbers
As a Credit Risk Analyst, you'll need to be comfortable with data. Brush up on your SQL, Python, or any analytical tools mentioned in the job description. Be ready to discuss how you've used these tools in past roles to derive insights and drive strategy changes.
✨Understand the Business
Liberis is all about empowering small businesses. Make sure you understand their mission and how credit risk strategies can support that. Think about how your previous experiences align with this goal and be prepared to share specific examples during the interview.
✨Prepare for Scenario Questions
Expect questions that ask you to analyse hypothetical situations or past experiences. Practice articulating how you would balance risk against returns in various scenarios. This will show your analytical thinking and commercial awareness, which are crucial for the role.
✨Communicate Clearly
You’ll need to present complex findings to different stakeholders. Practice explaining your past analyses in simple terms. Use clear examples to demonstrate how your recommendations have led to positive outcomes, ensuring you can adapt your message to suit your audience.