At a Glance
- Tasks: Lead credit and commercial strategy to drive growth and innovation for SMEs.
- Company: Join a top UK fintech recognised for its impact on small businesses.
- Benefits: Enjoy competitive pay, flexible working, and a supportive team culture.
- Other info: Be part of a vibrant team with over 27 nationalities and excellent career growth opportunities.
- Why this job: Make a real difference in the fintech space while collaborating with diverse talents.
- Qualifications: Strong background in credit, pricing, and commercial modelling required.
The predicted salary is between 60000 - 80000 £ 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
- Team brings experience from over 740 previous companies, from startups to global giants
- Recently named as one of FinTech’s Finest 50 by Welcome to the Jungle
- Proud to be an accredited Real Living Wage employer, ensuring everyone is paid fairly for the great work they do!
The team: Play 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: Own credit and commercial strategy within your platform family: translating the GM's commercial priorities into clear credit and commercial questions; bring Liberis' credit and commercial frameworks (e.g. return hurdles, pricing models, segmentation) into family-level decisions, and flag where family priorities require new thinking or central support; subject matter expert able to clearly explain complex concepts + educate the team to build literacy. Own commercial and credit initiatives and elements end-to-end: for example, with an 'Auto-Flex' proposition, how should funded amounts and initial prices be set? How do limits and prices evolve dynamically as repayment data comes in? In a tactical performance push, identify ways to hit and exceed performance targets. Collaborate 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. Commission and co-build 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: 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. 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.
Head of Credit & Commercial Strategy in London employer: Liberis
At Liberis, we pride ourselves on being an excellent employer that champions innovation and collaboration. Our hybrid working policy fosters a flexible work environment, allowing you to balance your professional and personal life while contributing to impactful data-driven decisions. With a strong focus on employee growth and development, we offer numerous opportunities for advancement in a supportive culture that values your insights and expertise.
StudySmarter Expert Advice🤫
We think this is how you could land Head of Credit & Commercial Strategy in London
✨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 Head of Credit & Commercial Strategy in London
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.
