Senior Risk Analyst, Liberis
2-4 days a week in office (White City, London)
A new era in embedded finance
Open for applications
A new era in embedded finance
201-500 employees
Open for applications
2-4 days a week in office (White City, London)
201-500 employees
Company mission
Liberis are on a mission to supercharge the power of small businesses all over the world - delivering the financial products they need to grow.
Role
Who you are
- Are you passionate about tackling complex challenges? Do you crave autonomy and the chance to innovate? If you're eager to make a real impact in finance that supports small businesses rather than just chasing profit, this is the perfect role for you
- If you’ve got experience in an analytical role, using statistical tools to shape strategy, and the ability to turn data into clear, actionable insights, we want to hear from you!
- 2-4 years of experience in an analytical role
- A strong analytical mindset with a passion for turning complex data into insights
- The ability to communicate your findings clearly and effectively
- A proactive approach to driving initiatives in a dynamic environment
- A keen eye for detail without losing sight of the bigger picture
- Confidence to work autonomously, while knowing when to seek support
- An appetite to understand machine learning models and how they are developed
- Proficiency in SQL is required
- Strong MS Excel skills are required
- GCP experience and Python skills are a plus
- Experience with data visualization tool such as PowerBI, Looker, Tableau is a bonus
- A solid STEM background is great, but we care more about aptitude than formal education
What the job involves
- We are the Decision Analytics team with a goal to drive intelligent decision-making by applying advanced statistical analytics and data science techniques to a wealth of data. At the heart of the Risk function, our focus is to deliver high-quality instant decisions for our customers around the world
- The Risk team is based in London and covers Risk Analytics, Decision Analytics, Underwriting and Collections. We're on a mission to grow Liberis into the world's leading embedded business finance provider, and we're looking for a Senior to Lead-level Credit Risk Analyst to help us make that happen!
- Reporting to the Senior Manager in the Decision Analytics team, you'll design world-class decisioning strategies that deliver value to both our customers and Liberis
- This is your chance to work on diverse projects that aim to fund as many customers as possible while staying within our risk appetite
- Lead the development and optimisation of global decisioning strategies
- Make a meaningful impact to the business by driving positive outcomes for as many customers as possible
- Explore new and current data sources to optimise decisioning policy
- Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment
- Represent Risk to wider business. Collaborating with Product and Commercial teams to unlock business value
- Work closely with the Machine Learning team on the life cycle of predictive model. Propose features for future development
- Own and continue to improve the monitoring capability for auto-decisioning rules and predictive models
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 $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. It's 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
$43.6m
LATE VC
Dec 2020
$63.1m
LATE VC
Total funding: $147.1m
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 ‘Spill’ 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.
- 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, 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, 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.
Share this job
View 7 more jobs at Liberis