At a Glance
- Tasks: Lead credit risk management and drive strategic growth through innovative partnerships.
- Company: Join a top UK fintech recognised for its commitment to small businesses.
- Benefits: Competitive salary, hybrid work model, and a focus on professional development.
- Other info: Dynamic team culture with opportunities for career advancement and collaboration.
- Why this job: Make a real impact in the fintech space while supporting small businesses globally.
- Qualifications: Extensive experience in credit risk leadership and a data-driven mindset.
The predicted salary is between 80000 - 100000 £ per year.
Some key info for you about Liberis:
- We were founded in 2007
- 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
- We're a vibrant melting pot, celebrating over 27 nationalities in our team
- 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!
At Liberis, we are on a mission to provide accessible and responsible finance to small businesses through our embedded finance partnerships! As Head of Credit Risk Management, you will play a key role in delivering our risk strategy and ensuring that risk management supports sustainable and profitable growth. Reporting to the VP of Risk, you will be responsible for evolving and managing Liberis' risk appetite framework, monitoring portfolio performance and partnering closely with teams across Commercial, Finance, Pricing, Decisioning, Machine Learning, Product and Operations. You will help ensure Liberis continues to grow responsibly, supporting new products, strategic partnerships and expansion into new markets while maintaining strong portfolio performance.
You will lead three core functions within Risk: Portfolio Management & Analytics, Underwriting, and Collections & Recoveries. Through these teams, you will drive strong risk outcomes, optimise portfolio performance and help ensure risk remains a strategic enabler of growth across the business. This role is ideal for a commercially minded risk leader who enjoys combining analytical rigour with cross-functional collaboration to deliver strong business and customer outcomes.
What you'll be doing:
- Own and evolve Liberis' risk appetite framework, keeping it aligned with business growth and strategic direction.
- Monitor and manage portfolio performance across products, partners and geographies, ensuring risk stays within appetite.
- Act as a strategic partner to Commercial, Finance, Pricing, Product and Operations — enabling growth while managing risk-adjusted returns.
- Contribute to new product development, partnerships and market expansions.
- Lead three core functions — Portfolio Management & Analytics, Underwriting, and Collections & Recoveries — driving strong outcomes across all three.
- Build, develop and retain high-performing teams, establishing strong governance and decision-making frameworks.
- Provide clear, actionable risk insights to senior leadership to inform business decisions.
What We Think You'll Need:
- Significant credit risk leadership experience in lending, fintech or embedded finance, ideally in unsecured SME credit.
- Deep understanding of the full credit lifecycle — PD/LGD/ECL, IFRS 9, risk appetite, and portfolio management in a growth-oriented environment.
- Proven track record leading underwriting, portfolio management or collections functions.
- Strong commercial instincts — you see risk management as a growth enabler, not just a control function.
- Ability to lead cross-functional collaboration and influence senior stakeholders across a complex organisation.
- Data-driven mindset with experience using analytics and technology to improve risk and operational outcomes.
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 Risk Management - Embedded Finance 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 Risk Management - Embedded Finance 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 Risk Management - Embedded Finance 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.
