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 Operational Associate plays a key role in supporting the day-to-day activities that keep the business safe, compliant, and running effectively. The primary focus of the role is to carry out customer due diligence, support transaction monitoring, and review alerts to ensure that potential risks are identified, assessed, and managed appropriately.

This role is important in maintaining consistency, accuracy, and efficiency across processes. By handling tasks such as due diligence, screening, and oversight activities, the associate helps ensure that risks are identified early and that the team meets its regulatory obligations. In addition, supporting complaint handling helps ensure customers are treated fairly and that issues are resolved in a clear and timely manner.

Overall, the role contributes to the company’s ability to remain compliant, protect its customers, and maintain trust. Through strong organisation, attention to detail, and a proactive approach, the Financial Crime Operational Associate supports the business in operating securely while enabling sustainable growth.

What you’ll be doing

Financial Crime

• Assist with customer due diligence (CDD) and periodic reviews
• Support transaction monitoring and alert handling processes
• Conduct sanctions, PEP, and adverse media screening

Oversight

• Support monitoring activities to assess adherence to policies and regulatory obligations

Occasional Complaints Management

• Assist in logging, tracking, and investigating customer complaints
• Support drafting clear, fair, and timely complaint responses

What we think you’ll need

• Basic understanding of compliance and financial crime risks (AML, fraud, customer protection)
• Strong attention to detail and organisational skills
• Analytical mindset with the ability to assess information and identify risks
• Clear written and verbal communication skills
• Ability to manage multiple tasks and meet deadlines
• Proficiency in Microsoft Office (especially Excel and Word)
• High integrity and a strong sense of accountability
• Proactive and willing to learn across multiple compliance disciplines
• Customer-focused mindset with an emphasis on fair outcomes
• Comfortable working in a fast-paced, evolving environment
• Collaborative team player with a positive attitude

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

About Liberis

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

The Finance team is at the heart of Liberis operations. Our mission is to support the future growth of the company by:

• Providing insightful financial information to management and investors
• Developing a scalable finance platform capable of ensuring proper oversight and compliance

We are currently a team of seventeen, based in London and India with responsibility for partnering with our Global operational teams.  You’ll join a dynamic, fast paced innovative team, made up of enthusiastic and experienced finance professionals. You’ll help us drive business performance by continually challenging our ways of working, developing a best-in-class accounts payable process.  Excellent training and development opportunities are available for high performing candidates.

The Role

You are a qualified accountant who is keen to work in a rapidly evolving business – providing business insight and ensuring our standards and compliance are best-in-class. You’ll thrive on process innovation and challenging the status quo to achieve great results.

What you’ll be doing

• Preparation of monthly consolidated management accounts and supporting analysis
• Ownership of group balance sheet reconciliations, including intercompany balances
• Assist in the preparation of the consolidated management accounts and reporting for the Board and external investors;
• Management of the SAP system to meet the developing needs of the business, maintaining the chart of accounts and other masterdata and managing internal controls;
• Work closely with the People team to further develop overseas payroll processes;
• Assist with company’s auditors during the interim and yearend review to confirm the transactions and balances reported in the financial statements;
• Support the Financial Reporting team in the processing of accounts payable, bank payments and reconciliations;
• Contribute to ad hoc projects including fundraising, forecasting and business development.

What we think you’ll need

• A qualified Accountant (ACCA, ACA or equivalent) with up to (roughly) 2 years’ experience post qualification – we are open to backgrounds both in industry or practice!
• Strong technical knowledge of accounting standards and tax compliance requirements
• Outstanding spreadsheet skills and knowledge of financial reporting systems (preferably SAP)
• A track record of process improvement and innovation
• Demonstrates ambition and the ability to thrive in a fast-paced environment.

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

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.

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.

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.