Risk Analyst

Who are Liberis?

At Liberis, we are on a mission to unleash the power of small businesses all over the world - delivering the financial products they need to grow through a network of global partners.

At its core, Liberis is a technology-driven company, bridging the gap between finance and small businesses. We use data and insights to help partners understand their customers’ real time needs and tech to offer tailor-made financial products. Empowering small businesses to grow and keep their independent spirit alive is central to our vision.

Since 2007, Liberis has funded over 40,000 small businesses with over $1.5bn - but we believe there is much more to be done. Learn more about Liberis by visiting https://www.liberis.com/.

The team

We are 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. 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.

The role

We’re looking for a Credit Risk Analyst to join our growing Risk team. This is a great opportunity for someone early in their career who’s passionate about data, enjoys problem-solving, and wants to grow their expertise in credit risk within a fast-paced, supportive environment.

You’ll work closely with analysts and risk managers to support the development and monitoring of credit strategies that help small businesses thrive. From analysing data trends to building dashboards and helping assess portfolio performance, you’ll be involved in a variety of tasks that will give you exposure across the full credit lifecycle.

This is an ideal role for someone with some experience in an analytical role who’s looking to build their career in fintech and credit risk. You’ll be supported as you learn our tools and systems, and encouraged to contribute ideas and insights along the way.

What you’ll be doing

• Develop and monitor credit risk strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections
• Develop framework to monitor risk performance of portfolios to ensure that they are performing within expectations. Review acquisitions and portfolio trends, transforming data into recommendations to the business, identifying both risks and opportunities that require action
• Represent risk to the wider business, driving changes via the product team and presenting analytical work to senior management
• Deliver insights and optimisation of our risk performance and applying this to all of Liberis’s existing and new products globally
• Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Partnerships and UK/US/European teams

What we think you’ll need

• Some experience, ideally 1-2 years, in an analytical, finance, or data-focused role 
• Exceptional Excel skills; experience with SQL, Python, or data visualisation tools (e.g. Looker, DBT and BQ) is a plus
• A curious mindset with a desire to learn, grow, and take on new challenges
• Strong communication skills – able to turn numbers into insights and share them clearly
• A collaborative, hands-on approach – willing to ask questions, get stuck in, and work across teams
• Interest in fintech, credit risk, or supporting small businesses is a definite bonus

What happens next?

Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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.

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