Credit Risk Analyst, Liberis

• Experience in an analytical role is preferred - ideally around 1-2 years experience
• An ability to drive high-quality analysis and an understanding of how this will be used practically
• Willingness and ability to do hands-on work using a range of data sources and analytical tools
• A collaborative mindset and willingness to work with a wide range of teams
• Exceptional Excel skills, with proficiency in SQL or SAS or Python
• Ability to convey complex findings in a logical and easy-to-understand style
• Able to turns rigorous analysis into clear, reasoned recommendations
• Ability to drive forward initiatives especially in a rapidly evolving environment
• Ability to refocus as needed to support a rapidly growing and evolving company

• 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. This includes reviewing acquisitions and portfolio trends, transforming data into recommendations to the business, identifying both risks and opportunities that require action
• Design and develop reports and dashboards to present insights and set anomaly alerts according to monitoring rules
• Develop and manage the Risk Data infrastructure by building and overseeing a data mart for analytical purposes
• 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

• 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

• 25 days holiday a year, with 3 additional days taken over the Christmas & New Year periods. Option to buy and sell holiday days
• Annual Bonus Scheme. % based on a combination of company performance and your individual performance
• Clear and transparent Commission Scheme to motivate and reward our Sales teams
• Life Assurance at 3x annual salary
• Learning fund. If you’ve got skills you’d like to develop, we’ll give you £1,000 a year to go for it
• Our partnership with mental health platform ‘Unmind' offers support for a huge range of needs, from work-life balance and personal growth to counselling
• After 2 years of continuous service you can take a sabbatical for up to 3 months
• Learning time, we give a development allowance of 32 hours per calendar year (4 days). This allowance is designed to give you protected time to focus on learning - whether that’s developing new skills, exploring areas of interest or simply building on your current strengths. It’s all about helping you grow and perform at your best!
• Pension scheme. 5% employee (option to pay more) / 4% employer contributions
• Primary carers. 20 weeks at full pay after 26 weeks of service
• Secondary carers. 12 weeks at full pay after 26 weeks of service, with an option to split time off within the first 12 months of birth or adoption
• Fertility support. 2 days for partner per cycle, 5 days for woman per cycle
• Medical cash plan. Claim money back towards the cost of your essential everyday healthcare, such as dental, optical, physio and GP appointments

Total funding: $157.4m

London-based Liberis offers small businesses a new way of securing financing. By taking an agreed % of customer credit and debit card takings, Liberis has created a brand new system of repayment, meaning small businesses no longer have to rely on traditional financing. Whilst small businesses are a cornerstone of the global economy, they are continuously turned away by traditional lenders, hence Liberis has been able to harness a crucial part of the global market whilst boosting small business.