• Underwrite new and repeat business requests, analysing multiple sources of information to make robust decisions.
• Continuously develop the underwriting process to balance excellent merchant experience with protecting Liberis from risk.
• Collaborate with internal stakeholders to improve business processes and support merchants and partners effectively.
• Liaise directly with prospective merchants to gather additional information and communicate approve/decline decisions as needed.
• Serve as a referral point for internal stakeholders, ensuring policies and procedures are followed and providing credit guidance to collections on high-risk accounts.
• Manage external vendor relationships and contribute to onboarding new partners.

• Previous experience in an underwriting role, ideally in small business finance 
• Confidence in making decisions and articulating them effectively.
• Strong attention to detail and meticulous analytical skills.
• Excellent verbal and written communication skills; able to convey complex findings clearly and logically.
• Ability to refocus and adapt in a rapidly growing and evolving company.
• Strong ability to interpret management accounts, cash flow statements, credit bureau reports, and financial trends to assess affordability, sustainability, and overall credit risk.

What happens next?

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. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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-CG1 

About Liberis

Liberis was founded and is backed by Blenheim Chalcot.

Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning. 

The Team

We are the Decision Analytics team sit with a goal to drive intelligent decision-making by applying advanced statistical analytics 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.

Risk team is a globally team with offices in London, Nottingham and Atlanta US, covers Decision Analytics, Portfolio Management, 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 Decision Analytics Manager to help us make that happen!

The Role

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.

You will own and evolve the automated credit decision policy across partners and products. You will be responsible for driving high auto-decision rates while maintaining competitive approval rates and robust risk performance. The role combines hands-on analytics with strategic ownership of acquisition decision strategies, monitoring frameworks, and model governance. This position is primarily a hands-on analytical role (70% individual contributor) while also mentoring and supporting junior team members (30% management). 

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.

What you’ll be doing

• Lead the development and optimisation of global decisioning strategies
• Own the automated decision policy framework and continuously enhance strategies to improve auto-decision rates and maintain competitive offerings.
• Work closely with the AI-ML team, playing a governance role in new model development, model approval and ongoing model monitoring
• Contribute to the development and enhancement of credit risk models
• Develop, own and enhance acquisition monitoring and performance reporting to track decision quality and risk performance
• Explore new and current data sources to optimise decisioning policy
• Mentor and support junior members within the team
• Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment
• Represent Risk to the wider business, collaborating with Product and Commercial teams to unlock business value

What we think you’ll need

• 5+ years of experience in a relevant analytical, credit risk or decision science role
• 2+ years of experience working as a Decision Scientist or Data Scientist.
• A strong analytical mindset with a passion for turning complex data into insights
• The ability to communicate your findings clearly and effectively

Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.

At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.

The team

We are the Collections team! A dedicated group with a clear mission: to assist customers facing financial challenges and guide them back to good standing wherever possible. With team members based in the UK, Sweden, Germany and the US, we are looking for an enthusiastic Collections Agent to join our rapidly growing global Collections team and support Liberis' growth in the UK market!

Who are you?

As a Collections Agent, you'll take the helm in our in-house collection process, steering a diverse receivables book toward success. Your mission: to maintain impeccable standards of accuracy and timeliness, driving up collection rates while ensuring every customer enjoys a top-notch experience.

Responsibilities

• Conducting daily monitoring into our receivables book to uncover underperforming and inactive customers, using your sharp analytical skills to identify patterns and opportunities.
• Solving puzzles: diving deep in to the why behind customer inactivity, utilising a variety of resources to uncover the most efficient solutions for rehabilitating these customers
• Direct engagement: connecting directly with our customers through daily phone calls and emails, bringing energy and enthusiasm to every interactions as you work to reignite their engagement.
• Legal liaison: contacting customers we’ve been unable to reach via legal letters, to ensure our message is clear and our approach is effective.
• Take charge in ensuring that defaulting account volumes stay within budget limits by strategising and implementing tactics to minimise the need for accounts to be sent for Debt Collection.
• Fairness Ambassador: above all, you’ll champion our commitment to treating customers fairly, ensuring that every action you take reflects the Liberis behaviours and strengthens our customer relationships.
• Thrive in an environment that encourages independent decision-making and have the autonomy to manage and prioritise your daily workload, while always having the support of your team and line managers.

We think you’ll need

We're seeking a dynamic individual with a blend of skills and experiences that will make them an invaluable asset to our team:

• Fluency in the English language.
• Demonstrated experience within a collections team, preferably in SME collections.
• A proven ability to self-manage and prioritise tasks effectively.
• Excellent interpersonal communication skills, enabling seamless interactions with individuals at all levels.
• High level of integrity in all actions and decisions.
• Proficiency in Excel.
• Keen attention to detail to ensure accuracy and precision in all tasks.
• Ability to identify and propose improvements to processes and procedures.
• Nice to have: fluency in either German, Polish or Czech languages. 

What happens next?

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. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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-CG1 

• 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 and maintain frameworks to monitor portfolio risk performance, ensuring it’s within agreed risk appetite; transforming data into recommendations
• Lead analytical deep-dives into portfolio trends and emerging risks
• Represent risk to the wider business, driving changes via the product team and
• presenting analytical work to senior management
• Identify and deliver risk performance improvements across Liberis’s existing and new products globally - from pricing adjustments to policy changes
• Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Partnerships, Pricing and UK/US/European teams

• 2–4 years of experience in an analytical role working on credit risk strategies, portfolio analysis, or lending products
• Demonstrated ability to identify emerging risks and propose practical actions or strategy changes based on data
• Evidence of taking ownership of analyses and driving work through to recommendations and outcomes
• Good commercial awareness - able to balance risk and return when forming recommendations
• Experience working across functions - comfortable managing stakeholders at different levels, presenting risk recommendations to product, commercial, or leadership teams, and adapting your message to the audience
• Hands-on experience with data (SQL, Python, SAS or similar), strong Excel skills, Google Cloud Platform tools (Looker, dbt, Big Query) or Power BI
• Clear communication skills, with the ability to explain complex findings simply and persuasively

What happens next?

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. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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-CG1 

About us

Liberis is on a mission to supercharge the power of small businesses all over the world - delivering the financial products they need to grow through a network of global partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real time needs and tech to offer tailor-made funding and financial products. Empowering small businesses to grow and keep their independent spirit alive is central to our vision. Up to now we have funded almost 40,000 small businesses with over $1.5bn - but we believe there is much more to be done. 

The team

This is an incredibly exciting time to join the business and the Legal and Compliance Team and will offer the right candidate a huge breadth of work. We are committed to teamwork and never work in silos as you will be collaboratively supporting Liberis scale during its next exciting phrase.This is a great opportunity for someone to take on real responsibility in a scaling department. The successful candidate will work with multiple teams across Liberis and have the chance to make a big impact. 

The role

The Financial Crime Associate plays a key role in protecting the business from financial crime risks, including money laundering, fraud, and sanctions breaches. The role’s primary purpose is to review and assess alerts, conduct customer due diligence, and support investigations to ensure suspicious activity is identified, evaluated, and escalated appropriately.

This role contributes to the team’s success by maintaining high-quality case handling, ensuring investigations are accurate and timely, and supporting compliance with regulatory requirements. By working closely with internal teams and following established frameworks, the associate helps ensure a consistent and effective approach to risk management.

More broadly, the role supports the company’s overall objectives by safeguarding its financial systems, maintaining regulatory compliance, and protecting its reputation. Through strong analytical skills, attention to detail, and proactive engagement, the Financial Crime Associate helps enable sustainable growth in a secure and compliant environment.

What you’ll be doing

• Conduct initial reviews of alerts generated from transaction monitoring systems
• Perform customer due diligence (CDD) and support enhanced due diligence (EDD) where required
• Assist with screening customers and transactions against sanctions, PEP, and adverse media lists
• Support the investigation of fraud cases, including analysing account activity, verifying customer information, and liaising with internal teams or external parties where required
• Escalate suspicious activity to senior analysts with clear and structured rationale
• Maintain accurate and complete case records in line with audit and regulatory expectations
• Assist with periodic reviews of existing customers to ensure ongoing compliance
• Follow internal policies, how to guides, and risk frameworks consistently

What we think you’ll need

• Basic understanding of financial crime risks (AML, fraud, sanctions)
• Strong analytical and problem-solving skills with attention to detail
• Ability to assess information critically and make risk-based decisions
• Good written and verbal communication skills, with ability to clearly articulate findings and rationales
• Organised, with the ability to manage multiple tasks and deadlines in a fast-paced environment
• Proficiency in Microsoft Office (especially Excel)
• Ability to investigate and interpret transactional and customer data to identify suspicious patterns
• High level of integrity and professionalism
• Willingness to learn and develop in financial crime compliance
• Comfortable working in a fast-paced, evolving environment
• Team player with a collaborative approach to working with different departments
• Proactive mindset with the ability to take initiative and identify areas for improvement

Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.

At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.

The team

We are the Collections team! A dedicated group with a clear mission: to assist customers facing financial challenges and guide them back to good standing wherever possible. With team members based in the UK, Sweden, Germany and the US, we are looking for an enthusiastic Collections Agent to join our rapidly growing global Collections team and support Liberis' growth in the UK market!

Who are you?

As a Collections Agent, you'll take the helm in our in-house collection process, steering a diverse receivables book toward success. Your mission: to maintain impeccable standards of accuracy and timeliness, driving up collection rates while ensuring every customer enjoys a top-notch experience.

Responsibilities

• Conducting daily monitoring into our receivables book to uncover underperforming and inactive customers, using your sharp analytical skills to identify patterns and opportunities.
• Solving puzzles: diving deep in to the why behind customer inactivity, utilising a variety of resources to uncover the most efficient solutions for rehabilitating these customers
• Direct engagement: connecting directly with our customers through daily phone calls and emails, bringing energy and enthusiasm to every interactions as you work to reignite their engagement.
• Legal liaison: contacting customers we’ve been unable to reach via legal letters, to ensure our message is clear and our approach is effective.
• Take charge in ensuring that defaulting account volumes stay within budget limits by strategising and implementing tactics to minimise the need for accounts to be sent for Debt Collection.
• Fairness Ambassador: above all, you’ll champion our commitment to treating customers fairly, ensuring that every action you take reflects the Liberis behaviours and strengthens our customer relationships.
• Thrive in an environment that encourages independent decision-making and have the autonomy to manage and prioritise your daily workload, while always having the support of your team and line managers.

We think you’ll need

We're seeking a dynamic individual with a blend of skills and experiences that will make them an invaluable asset to our team:

• Fluency in the English language.
• Demonstrated experience within a collections team, preferably in SME collections.
• A proven ability to self-manage and prioritise tasks effectively.
• Excellent interpersonal communication skills, enabling seamless interactions with individuals at all levels.
• High level of integrity in all actions and decisions.
• Proficiency in Excel.
• Keen attention to detail to ensure accuracy and precision in all tasks.
• Ability to identify and propose improvements to processes and procedures.
• Nice to have: fluency in either German, Polish or Czech languages. 

What happens next?

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. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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-CG1 

About Liberis

Liberis was founded and is backed by Blenheim Chalcot.

Liberis is on a mission to supercharge the power of small businesses around the world by delivering the financial products they need to grow, through our global network of partners. Before all else, Liberis is a technology company, connecting finance with small businesses. We use data to help partners understand their customers’ real-time needs and build technology that enables partners to offer tailored funding and financial products. To date, we’ve funded almost 50,000 small businesses with over $2bn - but we believe this is just the beginning. 

The Team

We are the Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business.

The Risk team is based in London and covers Risk analytics, Decision Science, Underwriting and Collections. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are now looking for a Analyst/Senior Credit Risk Analyst to join us on this journey.

The Role

You are someone that is excited by the prospect of a challenge, appreciate autonomy and the space to generate your own ideas and are passionate about finance that serves to support small businesses, not just turn a profit.

Reporting to the Senior Manager in the Risk Management team you will develop best in class credit risk strategies that reward our members and deliver value to Liberis. You will have the opportunity to work on a broad range of projects and workstreams that provide credit risk insights while ensuring we stay within the organisation’s risk appetite.

You should have experience in a similar analytical role where you have used statistical and analytical tools to drive innovative strategy changes. You should be able to derive insights from data and be able to present results in a concise way to relevant stakeholders.

What you’ll be doing

1. Risk Data Architecture & Structuring

• Design and maintain scalable credit risk data marts and portfolio datasets.
• Define and document data definitions, schemas, and maintain metric logic for key risk indicators (e.g. delinquency, roll rates, vintage curves, loss metrics).
• Partner with Data Engineering to optimise warehouse structures (Snowflake/BigQuery/Redshift or equivalent) and to improve the accuracy, consistency, and automation of risk reporting processes.
• Ensure consistency and governance across risk, finance, and commercial datasets.
• Validate and reconcile underlying data sources, ensuring data quality standards are upheld.
• Use data to ensure the execution of our strategy is in line with expectations with the right governance, control, and monitoring.

2. Building scalable Reporting & Automation layer

• Build reusable reporting layers that scale as origination volumes and product complexity increase.
• Create self-serve reporting environments for risk stakeholders while maintaining control frameworks.
• Prepare reporting and datasets for new initiatives on an ad-hoc basis and deep-dive insights required by Risk, Finance, and executive and senior leadership.
• Create ability to do data mining by the rest of the risk team.
• Bring visibility to more datasets that will support risk team’s day-to-day analytics and operational management towards SLAs

3. Supporting Portfolio Monitoring & Analytical Frameworks (Build scalable monitoring frameworks covering as below)

• Portfolio performance tracking
• Early warning indicators
• Concentration and exposure monitoring
• Vintage and cohort analysis
• Stress and sensitivity views
• Ensure reporting can flex across products, segments, and funding structures.

4. Ensuring Data Quality, Controls & Governance

• Implement validation checks and automated reconciliations within reporting pipelines.
• Own data integrity across risk reporting outputs.
• Develop monitoring for data drift and structural anomalies.
• Support internal audit and regulatory reviews with well-documented reporting logic and traceability.
• Closely collaborate with colleagues across Liberis, especially in the Engineering, Analytics, Product, Growth, Partnerships, and UK/US/European teams.

What we think you’ll need

• Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Data Analytics, Engineering or related quantitative discipline.
• 2-4 years experience in data management, building data marts or database maintenance.
• Strong affinity to build deep understanding of data flows and build re-usable datasets for the end-analytical users. Experience in a similar data role is a must.
• Demonstrated ability to drive high-quality analysis, with a robust understanding of how this will be used practically.
• Advance level proficiency and strong experience with databases management and analytical data product creation; Minimum 1 year of experience with Google Cloud Platform tools such as Looker, DBT, and BQ would be a must-have (minimum 6-months exp)
• Intermediate level proficiency in Excel and at least one BI/data visualisation tool (e.g.,Power BI, Tableau, Looker).
• Advanced SQL proficiency - ability to write complex queries independently across large datasets
• Ability to convey complex findings in a logical and easy-to-understand style.
• Turns rigorous analysis into clear, reasoned recommendations.
• Excellent analytical and problem-solving skills with strong attention to detail (must-have)
• Clear communicator with ability to explain complex data insights to non-technical stakeholders.
• Strong judgement, with the ability to make trade-offs between what is desired and what is feasible.
• Comfortable working in a fast-moving, ambiguous, and changing company.
• Experience working cross-functionally with engineering, risk, operations, and finance teams.
• A collaborative mindset and willingness to work with a wide range of teams.
  Experience in lending analytics or fintech credit products.
• Understanding of credit risk metrics and frameworks (PD/LGD/EAD) and lending

Liberis is an equal opportunities employer. We welcome applications from all candidates, including individuals with disabilities and provide reasonable adjustments as required.