Head of Credit & Commercial Strategy London

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. 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 plays 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 involves:

• Owning credit and commercial strategy within your platform family: translating the GM's commercial priorities into clear credit and commercial questions; bringing Liberis' credit and commercial frameworks (e.g., return hurdles, pricing models, segmentation) into family‑level decisions, and flagging where family priorities require new thinking or central support; being a subject‑matter expert able to clearly explain complex concepts and educate the team to build literacy.
• Owning commercial and credit initiatives and elements end‑to‑end: for example, with an "Auto‑Flex" proposition, determining how funded amounts and initial prices should be set; identifying how limits and prices evolve dynamically as repayment data comes in; in a tactical performance push, finding ways to hit and exceed performance targets.
• Collaborating 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.
• Commissioning and co‑building 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 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.