At a Glance
- Tasks: Analyse data to shape credit risk strategies and drive business decisions.
- Company: Join a top UK fintech recognised for innovation and community spirit.
- Benefits: Competitive salary, hybrid working, and a commitment to fair pay.
- Other info: Dynamic team culture with opportunities for growth and collaboration.
- Why this job: Make a real impact by turning data into actionable insights for small businesses.
- Qualifications: Strong analytical skills and experience with SQL or BigQuery preferred.
The predicted salary is between 37800 - 46200 £ per year.
Some key info for you about Liberis:
- Founded in 2007
- Provided over $3bn of funding to small businesses so far
- Named in CNBC & Statista Top 150 UK Fintechs for 2025
- A global team with a dynamic presence in 6 key locations around the world
- A thriving community of over 290 innovative minds
- A vibrant melting pot, celebrating over 27 nationalities in our team
- Experience from over 740 previous companies, from startups to global giants
- Named as one of FinTech’s Finest 50 by Welcome to the Jungle
- Proud to be an accredited Real Living Wage employer
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. 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.
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'll get to do:
- Build and improve portfolio monitoring frameworks, turning data into clear insights and recommendations.
- Monitor losses, delinquencies, inactivity, repayment trends and vintage performance to assess portfolio health and identify emerging risks.
- Investigate changes in performance, explain their causes and identify opportunities to improve outcomes or support growth.
- Use your analysis to inform credit risk strategies, including where customer eligibility could be expanded or tightened.
- Develop forecasting models to better understand future risk and contribute to budgeting and planning.
- Work with colleagues across risk and the first line to understand problems, communicate findings and recommend action.
- Deliver analytical projects across the portfolio, showing how your work contributes to business decisions rather than stopping at a report or dashboard.
The interview process:
- Screening call with Chess (Internal Recruiter) (30 mins)
- Video interview with the Hiring Manager (1 hour)
- Task based interview with the Risk Team (90 mins)
What we think you'll need:
- Hands-on data analysis skills, including SQL or BigQuery experience, and the ability to apply those skills to unfamiliar tools.
- The ability to move from data to an explanation: identifying patterns, investigating why they're happening and making practical recommendations.
- Clear communication, including the ability to explain your own contribution to a project, your analytical approach and what changed as a result.
Next steps: If this opportunity feels like the right fit for your next career move, we’d love to hear from you! Even if you don’t meet every requirement, don’t hesitate to apply or reach out to Chess (Internal Recruiter) on chess.crossley@liberis.com.
Our hybrid approach: Working together in person helps us move faster, collaborate better and build a great Liberis culture. Our hybrid working approach requires colleagues to attend the office at least three days a week, increasing to at least four days a week in Q1 2027.
Analyst - Credit Risk employer: Liberis
At Liberis, we pride ourselves on being an excellent employer, offering a vibrant work culture that celebrates diversity and innovation. With a commitment to employee growth, our hybrid working model fosters collaboration while providing flexibility, ensuring that our team members thrive both personally and professionally. As a Real Living Wage employer, we value the contributions of our staff and provide meaningful opportunities to shape the future of embedded finance in a supportive environment.
StudySmarter Expert Advice🤫
We think this is how you could land Analyst - Credit Risk
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Liberis. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Analyst - Credit Risk
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Liberis.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Liberis's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Liberis
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Liberis.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Liberis will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Liberis employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
