Analyst - Credit Risk

Liberis; London (KY); Hybrid; USD 56,000 - 86,000; Full time

Benefits offered by this job

Real Living Wage

Hybrid work model

Job summary

Liberis is seeking a Credit Risk Analyst to join the Risk team in London. The role focuses on solving complex problems through data, turning analysis into actionable business decisions, and owning projects from framing to implementation.

You will work with stakeholders across Risk, Data Science, Analytics, Product, Pricing and Commercial to drive risk-informed growth. Reporting to the Risk Manager, you will deliver insights, develop monitoring frameworks and shape Liberis' credit risk strategy

Qualifications

• Hands-on data analysis skills, including SQL or BigQuery experience, and the ability to apply those skills to unfamiliar tools.
• The ability to move from data to an explanation: identifying patterns, investigating why they're happening and making practical recommendations.
• Clear communication, including the ability to explain your own contribution to a project, your analytical approach and what changed as a result.

Responsibilities

• 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 growth.
• Use your analysis to inform credit risk strategies, including where customer eligibility could be expanded or tightened.
• Develop forecasting models to better understand future risk and contribute to budgeting and planning.
• Work with colleagues across risk and the first line to understand problems, communicate findings and recommend action.
• Deliver analytical projects across the portfolio, showing how your work contributes to business decisions rather than stopping at a report or dashboard.

Skills

SQL

BigQuery

Looker

Data analysis

Stakeholder communication

Tools

Looker

BigQuery

Job description

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!

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 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.

What you'll get to do:

• 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 growth.
• Use your analysis to inform credit risk strategies, including where customer eligibility could be expanded or tightened.
• Develop forecasting models to better understand future risk and contribute to budgeting and planning.
• Work with colleagues across risk and the first line to understand problems, communicate findings and recommend action.
• Deliver analytical projects across the portfolio, showing how your work contributes to business decisions rather than stopping at a report or dashboard.

The interview process:

• Screening call with Chess (Internal Recruiter) (30 mins)
• Video interview with the Hiring Manager (1 hour)
• Task based interview with the Risk Team (90 mins)

What we think you'll need

• Hands-on data analysis skills, including SQL or BigQuery experience, and the ability to apply those skills to unfamiliar tools. Our current analytics environment includes BigQuery and Looker.
• The ability to move from data to an explanation: identifying patterns, investigating why they're happening and making practical recommendations.
• Clear communication, including the ability to explain your own contribution to a project, your analytical approach and what changed as a result.

Our hybrid approach

Working together in person helps us move faster, collaborate better and build a great Liberis culture. Our hybrid working approach requires colleagues to attend the office at least three days a week, increasing to at least four days a week in Q1 2027