Analyst - Credit Risk United Kingdom

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 in6key locations around the world

We're a thriving community of over
290
innovative minds

Our team brings experience from over
740
previous companies, from startups to global giants

We have just been named as one of
Fin Tech’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!

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.

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.

• 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