Credit Risk Analyst, Liberis
£35-45k
More information about location
2-4 days a week in office
A new era in embedded finance
Job no longer available
A new era in embedded finance
201-500 employees
Job no longer available
£35-45k
More information about location
2-4 days a week in office
201-500 employees
Company mission
To supercharge the power of small businesses all over the world - delivering the financial products they need to grow.
Role
Who you are
- 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
What the job involves
- 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
Application process
- 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
Salary benchmarks
Our take
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.
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 $3B to over 50,000 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. Its other standout feature is its frictionless end-to-end funding experience, which uses a single API integration to accelerate the timeline from application to finance.
Liberis operates an impressive global partner network that consists of eCommerce platforms. It has raised significant funding that will enable it to grow its European and US presence with new partners as well as established ones like eBay US.
Freddie
Company Specialist at Welcome to the Jungle
Insights
Company
Employee endorsements
Autonomy
"Autonomy and independence is in abundance at Liberis! Since starting with the organisation I have had ownership of my role and I can see the value..."
Funding (last 2 of 3 rounds)
Dec 2021
$46.4m
LATE VC
Dec 2020
$67.3m
LATE VC
Total funding: $156.7m
Company benefits
- 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
Company values
- Empathy Always. We respect and empathise with one another
- Small Businesses Matter Most. We only succeed, when small businesses succeed
- Communicate Directly. Everyone has a voice, and we encourage them to use
- Own Every Outcome. Great things don't happen by accident
- Prove It. Talk is just talk without the data to back it up
- Act Like Time is Running Out. The world moves fast, so do we
Company HQ
Shepherd's Bush, London, UK
Articles
Leadership
Rob Straathof
(CEO)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 Senior Sales Executive. Since then, they have held a number of roles and now serve as the Senior Global Excellence Manager.
Ollie joined Liberis in 2021 as a Product Manager and since then has worked their way up to become the General Manager of North America.
Diversity, Equity & Inclusion at Liberis
Izzy Brooman (Head of Marketing)
- The DEIB committee are the grassroots group of advocates at Liberis. We champion cultural transformation within Liberis and the wider community. And celebrate the things that make us special!
- We have a holistic approach to D&I by considering how we can make the world a better place through all aspects of our value chain: celebrating and supporting our employees, providing the best experience for our customers, encouraging D&I best practices from our suppliers & engaging with the wider community.
- 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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