Liberis
Liberis is an embedded finance partner for platforms, including vertical SaaS providers, marketplaces, payment processors, and payment companies. Liberis enables platforms to offer tailored financial solutions to their merchant ecosystems, supporting growth across businesses of all sizes.
Liberis partners closely with platforms, combining merchant data and distribution with over a decade of finance expertise and lending experience across economic cycles. By understanding merchant behaviour and business rhythm, Liberis embeds finance directly into platform workflows, delivering funding and financial tools at key moments in the merchant lifecycle.
Rather than offering standardised products, Liberis co-creates solutions around each partner’s brand, technology, and merchant needs. Its flexible, API-driven architecture allows platforms to configure, launch, and scale embedded finance offerings across 15 markets, with the ability to add new products over time without requiring further platform integration.
For platforms, Liberis delivers recurring revenue opportunities and supports merchant acquisition and retention. For merchants, Liberis provides fast and transparent access to capital, from $500 to $1M+, with clear pricing, flexible repayment aligned to business performance, and dedicated support. For more information, visit their website: https://www.liberis.com/
Embedded Finance. Built Together.
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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!
We are the Underwriting team responsible for decisioning Liberis applications in the UK/EU and a key enabler of the business’s rapid growth. Using a variety of data sources, we make fast, informed decisions for our prospective merchants. We’re building a center of excellence for business decisioning, combining Liberis’ deep product knowledge with excellent local market understanding wherever we operate. Our Underwriting team plays a vital role not only in decisioning applications but also in working across Liberis to provide merchants with a great experience and access to the funding they need to thrive.
We are looking for an individual to join as an Underwriter. Beyond underwriting applications, you will play a key role in steering our rapidly growing business. You embrace challenge, enjoy autonomy, and bring your own ideas to the table. You are passionate about finance that supports small businesses, not just turning a profit. You thrive on engaging with stakeholders across the company and driving business success.
Reporting to the Senior Underwriting Manager, you will be responsible for underwriting new and repeat finance proposals that protect and deliver value to Liberis. You will have the opportunity to enhance our underwriting process while ensuring we remain within the organisation’s risk appetite.
You have experience in a similar underwriting role, particularly in small business finance, and can demonstrate strong judgment and the ability to mitigate risk effectively. You can analyse complex financial information, identify trends and opportunities, and communicate your decisions clearly to both internal stakeholders and merchants.
- 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
Ready to apply?
Apply to Liberis
Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.
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.
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 Senior Credit Risk Analyst to join us on this journey.
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 Risk Manager 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 in the credit risk environment 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.
- 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
Ready to apply?
Apply to Liberis
Some key info for you:
🌱 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
About our Product Team:
Liberis is building the embedded finance platform that lets partners around the world offer innovative funding products to their small business customers. We're a growth-stage fintech with teams in London, Atlanta, Stockholm, Munich and Mumbai, and we're at a point where the platform challenges are genuinely interesting: we're not just adding features, we're building financial infrastructure that didn't exist a year ago. Engineering is going through an AI-first transformation, rethinking how teams are structured and how they ship. It's changing what a small team can do.
Product owns outcomes here, not just delivery. You will have real autonomy, a direct partnership with engineering leadership, and the space to make big calls on hard problems. If you've spent time in large organisations waiting for permission, this is different.
The role:
We are looking for a Senior Product Manager to own our Financial Systems domain. This is a role for someone who thinks in systems, not features. You will own the foundational layers that the rest of Liberis builds on top of: the payment rails, ledger, merchant revenue intelligence, and identity systems that make our products work.
The problems here are genuinely hard. How do you replace a third-party classification engine with an in-house AI model without disrupting live underwriting? How do you build a new repayment capability that opens up partners who sit outside the payment flow? How do you manage payment infrastructure across multiple providers and geographies while migrating the platform underneath? If these are the kinds of challenges that get you out of bed, keep reading.
You will partner directly with a Head of Engineering and work across several small, focused engineering teams. We're in the middle of an AI-first engineering transformation: teams of 2-4 engineers work on a problem but execute like a full team, with AI embedded in how they build, test, and ship. There are around 20 engineers across the domain, and the way they work is changing fast. You'll be part of shaping that.
What you'll get to do:
- Own the product vision, roadmap and delivery across Financial Systems (Funding, Ledger, Merchant Revenue) and Merchant Identity.
- Lead complex platform initiatives end-to-end: vendor-to-AI transitions, new payment rail buildouts, cross-provider infrastructure management, and data model evolution. Several of these involve replacing legacy vendor systems with in-house AI models. These aren't feature requests. They're engineering-heavy, cross-team programmes with real commercial stakes.
- Sit with engineers daily. Understand the data flows and the API contracts. Be the PM who engineers want in the room because you make technical decisions better, not slower.
- Drive cross-functional alignment on initiatives that require buy-in from Risk, Finance, Commercial, and Engineering leadership. Build business cases, present pilot data, and make the commercial argument for platform investment.
- Manage vendor relationships and make build-vs-buy decisions with real contract deadlines and cost implications.
- Build technical roadmaps that balance architectural health with commercial delivery. Sequence migrations so the business keeps shipping while the platform improves underneath.
Who you are:
- A systems thinker. When someone describes a requirement, you think about the data model underneath, the identity resolution upstream, and the three teams whose work will break if you get this wrong. You find the edge cases before engineering does.
- Technically deep. You can read a schema, follow a data flow, and have a real conversation with engineers about API design, migration strategies, and system trade-offs. You don't write production code, but engineers respect your judgement because you've earned it.
- Comfortable with complexity. The domains you will own don't have neat boundaries. Merchant identity touches everything. Financial systems underpin every product. You have led large migrations, platform consolidations, or system redesigns and know that the hard part is sequencing, not architecture.
- Execution driven. You break large, intimidating platform programmes into deliverable increments. You keep momentum through complexity rather than getting lost in it.
- Commercially grounded. You can articulate why replacing a vendor saves six figures a year, why a new repayment method unlocks a major revenue stream, or why a migration matters for speed to market. You bring skeptical stakeholders along with data, not slides.
- A clear communicator. You adjust naturally between a technical deep-dive with an engineer and a strategic update for the exec team. You write well, present clearly, and keep stakeholders informed without being asked.
What we think you'll need:
- Experience owning platform or infrastructure-level product areas: data platforms, identity systems, ledgers, core banking, payments infrastructure, or similar.
- A track record of leading complex migrations, vendor transitions, or platform redesigns in production, with real deadlines and commercial pressure.
- Experience in fintech, lending, payments or financial services. You understand payment rails, revenue-based finance, and the regulatory context around financial products.
- Strong data skills and genuinely excited about using AI tooling to move faster, whether that's interrogating data, drafting specs, or accelerating your own workflow. You'll be joining an org that's betting heavily on AI across both its products and its ways of working.
Next steps If this opportunity feels like the right fit for your next career move, we’d love to hear from you!
Even if you don’t meet every requirement, don’t hesitate to apply or reach out to Chess (Internal Recruiter) on chess.crossley@liberis.com
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-FC1
Ready to apply?
Apply to Liberis
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!
About the role:
Our Technology team builds products that solve real‑world problems for small businesses at scale. We empower teams to move quickly, make decisions locally, and take ownership of the solutions they deliver.
Within Technology, the Delivery team partners closely with Product and Engineering to help turn strategy into execution. We bring clarity, structure, and momentum to complex technical initiatives—coordinating across teams and stakeholders to keep delivery aligned, focused, and moving forward.
Our Engineering Team is going through an AI‑first transformation, and our Delivery Team will play a key role in supporting this!
As we rethink how teams are structured and how software is shipped, you will hold a critical role in supporting this change—helping teams adapt ways of working, manage dependencies, and deliver AI‑enabled capabilities with confidence and consistency.
What you will be doing:
- Owning delivery of the product roadmap and keeping priorities clear across Engineering.
- Leading key initiatives end‑to‑end, coordinating across Product, Engineering, Data, Risk, Commercial and Operations.
- Play a key role supporting in our AI-first transformation
- Build relationships with our Partners, to continually ensure expectations are aligned on roadmap timelines and key integration milestones
- Maintaining a holistic view of technology delivery, surfacing dependencies and ensuring teams stay aligned with strategy.
- Working closely with Product Managers to refine requirements and define outcomes.
- Improving and scaling global delivery processes to support consistent, high‑quality execution.
- Creating alignment through clear communication on timelines, risks, scope changes, and progress.
- Identifying and resolving blockers quickly by working hands‑on with teams.
- Helping teams make realistic, strategic commitments.
- Driving continuous improvement across delivery frameworks, tooling and practices.
The Interview Process
- 30 min screening call with Chess (Internal Recruiter)
- 45 min video interview with our Head of Tech Operations (Hiring Manager)
- 90 min task based interview with the wider hiring team
What We Think You’ll Need
- Excellent communication skills and the ability to adapt to varied stakeholders.
- Experience within global tech organisations.
- Proven ability to manage multiple product and technical initiatives simultaneously.
- Proven experience building relationships across technical, commercial and external partner teams.
- Strong relationship‑building skills across Product, Engineering and Operations.
- A clear understanding of what great delivery and execution looks like.
- Experience in a tech‑first environment with strong SDLC awareness.
- Experience supporting teams to adopt and deliver AI‑enabled capabilities
Next steps If this opportunity feels like the right fit for your next career move, we’d love to hear from you!
Even if you don’t meet every requirement, don’t hesitate to apply or reach out to Chess (Internal Recruiter) on chess.crossley@liberis.com
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-FC1
Ready to apply?
Apply to Liberis