Head of Credit Risk Management - Embedded Finance
LiberisLondon, England, United Kingdom · Posted 1 month agoDescription
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!
- Own and evolve Liberis' risk appetite framework, keeping it aligned with business growth and strategic direction.
- Monitor and manage portfolio performance across products, partners and geographies, ensuring risk stays within appetite.
- Act as a strategic partner to Commercial, Finance, Pricing, Product and Operations — enabling growth while managing risk-adjusted returns.
-
Contribute to new product development, partnerships and market expansions.
- Lead three core functions — Portfolio Management & Analytics, Underwriting, and Collections & Recoveries — driving strong outcomes across all three.
- Build, develop and retain high-performing teams, establishing strong governance and decision-making frameworks.
- Provide clear, actionable risk insights to senior leadership to inform business decisions.
- Significant credit risk leadership experience in lending, fintech or embedded finance, ideally in unsecured SME credit.
- Deep understanding of the full credit lifecycle — PD/LGD/ECL, IFRS 9, risk appetite, and portfolio management in a growth-oriented environment.
- Proven track record leading underwriting, portfolio management or collections functions.
- Strong commercial instincts — you see risk management as a growth enabler, not just a control function.
- Ability to lead cross-functional collaboration and influence senior stakeholders across a complex organisation.
- Data-driven mindset with experience using analytics and technology to improve risk and operational outcomes.
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. 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.
#LI-FC1
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