Operational Risk Officer, Liberis
1-3 days a week in office
Embedded business finance solutions
Open for applications
Embedded business finance solutions
201-500 employees
Open for applications
1-3 days a week in office
201-500 employees
Company mission
Liberis is on a mission to provide small businesses with accessible and responsive finance.
Role
Who you are
- A minimum of 3 years of experience in operational risk roles, ideally within the FinTech industry
- An excellent of operational processes from a compliance perspective, including complaints management and improving customer outcomes
- Knowledge of the Consumer Duty rules and other regulatory requirements applicable to the financial services sector
- Excellent analytical and problem-solving skills, with the ability to assess risks and develop effective mitigation strategies
- Strong communication and interpersonal skills, capable of working effectively with teams across the organisation and engaging with internal and external stakeholders
- A self-driven and motivated attitude, with a passion for supporting the business through operational excellence and compliance
- Relevant professional qualifications in risk management or compliance would be advantageous
- You are someone that is excited by the prospect of a challenge, you appreciate autonomy, the space to generate your own ideas and are passionate about compliance and customer outcomes that serves to support small businesses
- You will have previous experience in operational risk roles and are eager about enhancing our operational effectiveness and ensuring compliance with regulatory standards, including the Consumer Duty rules
What the job involves
- We are looking for talented and ambitious individuals to help us reshape business finance
- Reporting to: Global Compliance Director
- Operational Risk Management: Identify, assess, and mitigate operational risks that could affect the company’s integrity and efficiency. Develop and implement risk management strategies and controls to minimize losses and ensure business continuity
- Compliance and Regulatory Oversight: Ensure operations are in full compliance with all relevant regulations, including the Consumer Duty rules. Stay updated on regulatory changes and advise on the operational impact of these changes
- Complaints Management: Oversee the complaints management process to ensure timely and fair resolution of customer complaints. Analyse complaints data to identify trends and areas for improvement in operations and customer service
- Improving Customer Outcomes: Work closely with various departments to ensure that operational processes are designed and executed with the customer's best interest in mind, contributing to positive customer outcomes
- Policy and Procedure Development: Develop and refine operational policies and procedures to enhance efficiency, compliance, and customer satisfaction. Ensure that these policies are well communicated and adhered to across the organisation
- Reporting and Analysis: Regularly report on operational risks, compliance issues, and customer feedback to senior management. Utilise data analysis to inform decision-making and operational improvements
Salary benchmarks
Our take
London-based Liberis offers small businesses a new way of securing loans. 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 loans. 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.
Liberis isn't the only 'pay-as-you-earn'-style finance provider: it competes with similar schemes provided by the likes of Amazon and Paypal. Nonetheless, it has seen rapid growth, and has funded around $1B to over 23,000 SMEs across the UK, Europe, and the US. This can be accredited to the platform's use of machine learning to understand a customer's risk profile, and hence the maximum funding options available to them.
Liberis operates an impressive global partner network that consists of eCommerce platforms such as Klarna. It has raised significant funding that will enable it to grow its European presence with new and established partners, bringing flexible funding options to SMEs in new territories such as the Nordic region.
Freddie
Company Specialist
Insights
Some candidates hear
back within 2 weeks
33% female employees
60% employee growth in 12 months
Company
Funding (last 2 of 3 rounds)
Dec 2021
$45.1m
LATE VC
Dec 2020
$65.3m
LATE VC
Total funding: $152.2m
Company benefits
- Pension scheme - 4% employer contribution
- Life insurance at 3x your annual salary
- Performance related bonus, or generous commission scheme (role dependant)
- Expert financial wellbeing support
- Private healthcare
- Medical cash plan
- Employee assistance programme
- Wellbeing and counselling support
- 25 days holiday a year (not including bank holidays), with 3 additional days taken over the Christmas & New Year period with the option to buy or sell holiday days
- Flexible working options
- Discounts and perks with leading companies
- Help with your commute - Season Ticket Loan and Cycle to Work scheme
- Keep your kit up-to-date - Techscheme
- Social budget offering
- Time out - sabbatical after you’ve been with us for 2 years
- Primary carers leave from 26 weeks, entitled to 20 weeks at full pay Secondary carers leave from 26 weeks, entitled to 12 weeks at full pay Paid miscarriage support and parental bereavement leave
Company values
- Empathy Always. Inclusion fuels Liberis' success. Respect, unity, and positive intent empower us to thrive together
- Prove It. Every choice counts, so we embrace diverse perspectives, challenge opinions, and constantly question our own convictions
- Communicate Directly. Open communication drives our fast-paced culture, empowering everyone to voice their convictions without ego or defensiveness
- Own Every Outcome. Liberis thrives on relentless pursuit, overcoming challenges, and inspiring accountability for impactful outcomes
- Act Like Time is Running Out. Move fast, win big. Speed matters when competing against the clock
- Merchants Matter Most. Putting merchants first is not just our priority, it's the key to unlocking their success
Company HQ
Shepherd's Bush, London, UK
Articles
Leadership
Rob Straathof
(CEO, not founder)Previously founded Taste 2. Experience as Director for Newable Business Finance Ltd, Non Executive Director for Folkefinans AS, Director for Everline Financial Services.
People progressing
Tracy joined Liberis in 2014 as a Sales Executive and has progressed to a Senior Manager leading our Global Customer Operations team. She now has team members across the UK, Sweden and the US.
Ollie joined the Product team at Liberis in September 2021, he has since been promoted twice and is now in the role of Chief of Staff, working alongside our CEO and Executive team.
Diversity & Inclusion at Liberis
- Our commitment is not just surface level. We’re on a mission to create a safe space where everyone and anyone, regardless of their background, can thrive.
- We also recognise that diverse teams perform better because we have so much to learn from one another.
- We have a hive of activity happening around the business to make sure we’re always pushing for more. Everyone is encouraged to get involved to help us to continue to build an excellent culture at Liberis.
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