At a Glance
- Tasks: Develop and monitor credit risk strategies to support small businesses.
- Company: Join Liberis, a leader in embedded business finance solutions.
- Benefits: Competitive salary, flexible working, and opportunities for professional growth.
- Other info: Collaborative team environment with a focus on career development.
- Why this job: Make a real impact on small businesses while driving innovative financial strategies.
- Qualifications: 2-4 years in credit risk analysis with strong data skills.
The predicted salary is between 45000 - 55000 £ per year.
Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.
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 the Risk team 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 concisely 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’s 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, presenting risk recommendations to product, commercial, or leadership teams.
- Hands‑on experience with data (SQL, Python, SAS or similar), strong Excel skills, Google Cloud Platform tools (Looker, dbt, BigQuery) or Power BI.
- Clear communication skills, with the ability to explain complex findings simply and persuasively.
Credit Risk Analyst employer: Liberis
At Liberis, we pride ourselves on being an exceptional employer that champions the growth of small and medium-sized businesses through innovative financial solutions. Our London-based Risk team fosters a collaborative and dynamic work culture, offering employees the autonomy to develop impactful credit risk strategies while providing ample opportunities for professional growth and development. With a commitment to supporting our team members and a focus on meaningful work, Liberis stands out as a rewarding place to build your career in finance.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Analyst
✨Network Like a Pro
Get out there and connect with people in the industry! Attend events, join online forums, or even hit up LinkedIn. The more you engage, the better your chances of landing that Credit Risk Analyst role at Liberis.
✨Show Off Your Skills
When you get the chance to chat with potential employers, make sure to highlight your analytical skills and experience with credit risk strategies. Use real examples to demonstrate how you've driven results in previous roles – it’ll make you stand out!
✨Tailor Your Approach
Don’t just send out generic applications. Research Liberis and tailor your conversations to show how your skills align with their mission of empowering small businesses. This shows you’re genuinely interested and not just looking for any job.
✨Apply Through Our Website
We encourage you 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 want to be part of the Liberis team!
We think you need these skills to ace Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Risk Analyst role. Highlight relevant experience and skills that match the job description, especially your analytical background and any hands-on data experience.
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to express your passion for supporting small businesses and how your experience aligns with our mission at Liberis. Keep it concise but impactful.
Showcase Your Analytical Skills:In your application, don’t forget to mention specific tools and methodologies you’ve used in previous roles. We love seeing candidates who can demonstrate their ability to derive insights from data and present them clearly.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands and shows us you’re serious about joining our team!
How to prepare for a job interview at Liberis
✨Know Your Numbers
As a Credit Risk Analyst, you'll need to be comfortable with data. Brush up on your statistical knowledge and be ready to discuss how you've used tools like SQL or Python in previous roles. Prepare examples of how your analyses have led to strategic changes.
✨Understand the Business
Liberis is all about empowering small businesses. Make sure you understand their mission and how credit risk strategies play a role in that. Be prepared to discuss how your work can directly impact their growth and success.
✨Showcase Your Communication Skills
You'll need to present complex data insights to various stakeholders. Practice explaining your past projects in simple terms, focusing on the outcomes and recommendations. This will demonstrate your ability to adapt your message to different audiences.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving skills. Think of scenarios where you've identified risks or improved performance in a portfolio. Be ready to walk through your thought process and the actions you took to achieve results.
