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.

Data Engineer with experience working with GCP wanted to join us on a permanent basis. You can either join us in our growing Mumbai team or join us remotely from across India. 

Step into the Koppling workstream as a Data Engineer and be a key player in building a sophisticated media data warehouse. Your role will involve developing and deploying robust ETL/ELT data pipelines to automate the integration of 3rd party data sources at scale. This is an excellent opportunity to apply solid technical problem-solving skills, advance your data engineering capabilities, and gain a foundational understanding of the marketing data domain. You'll contribute to creating a centralized, reliable data source that informs critical business decisions, working within a collaborative team environment.

What you’ll be doing

• Developing, and deploying robust ETL/ELT data pipelines using Python and SQL to integrate various 3rd party data sources.
• Automating the integration of 3rd party data sources at scale, ensuring data accuracy and timeliness for our media data warehouse.
• Utilizing Google Cloud Platform (GCP) services such as BigQuery, Cloud Run, and Scheduler for efficient data processing and orchestration.
• Performing data modeling and transformations using dbt and SQL to structure and refine data within the media data warehouse.
• Managing and version controlling pipeline code and configurations using Git, ensuring collaborative development and deployment.
• Troubleshooting and optimizing existing data pipelines to enhance reliability, performance, and scalability.
• Applying infrastructure-as-code principles to manage data resources, potentially using tools like Terraform for environment provisioning.
• Developing or integrating APIs for complex data ingestion and exploring the use of streaming data technologies like Kafka or Pub/Sub for real-time data needs.
• Implementing and maintaining CI/CD pipelines to automate the testing, deployment, and monitoring of data solutions.

What we want from you

• Professional experience in data engineering or a similar role.
• Hands-on experience with Google Cloud Platform (GCP) services including BigQuery, Cloud Run, and Scheduler.
• Proficiency in SQL for data manipulation and analysis.
• Strong programming skills in Python.
• Experience with dbt.
• Familiarity with infrastructure-as-code principles.
• Understanding of data warehousing concepts, ETL/ELT processes, and data modeling.
• Experience with version control systems (e.g., Git).
• Excellent problem-solving skills, attention to detail, and a proactive attitude.
• Ability to work independently and as part of a team in a fast-paced environment.

Desirable Attributes

• Familiarity with Terraform.
• Experience with API Development.
• Knowledge of streaming data processing concepts (e.g., Kafka, Pub/Sub).
• Familiarity with CI/CD pipelines.
• Relevant GCP certifications are a plus.

What we can offer you

Alongside the opportunity to work with some of the most exciting brands around the world, we’ll also prioritise your career development and help you grow your skills. We’ll empower you to make a difference, allow you to be yourself, and respect who you are.

Our culture thrives on our core values, designed for impact-driven individuals: Heart, Brains and Courage.

We lead with Heart, fostering empathy and trust where genuine connections and human-centric work flourish.
We empower your Brains for innovation, valuing relentless curiosity and collaborative intelligence to solve complex challenges.
And we champion Courage, inspiring you to speak up, embrace experimentation, and advocate for bold solutions that push our thinking to be better than yesterday.

AT VML Enterprise Solutions

Our Enterprise Solutions division houses strategic consultants, creative and technical architects and skilled developers and operators that together help some of the world’s leading organisations to deliver outstanding digital experiences across all major routes to market worldwide: marketplaces, online retailers, D2C, B2B and social platforms. With over 4,200 experts in 55 operational centres across 34 countries, our capabilities span the entire buying journey from customer acquisition, through engagement, to conversion and loyalty, driving multi-channel growth for world-leading brands.

We work with some of the most exciting brands such as The Coca-Cola Company, EY, Bosch, Unilever, Ford, DFS, Mercedes-Benz, Johnson & Johnson, Nestlé, Sainsbury’s, Selfridges, Shell and Tiffany & Co. We’ve built over 500 platforms for brands and retailers and generate in excess of $29bn annually for our clients and work with over 50 strategic partners including Adobe, SAP, Salesforce, HCL, Shopify, Sitecore, BigCommerce, commerce tools and Acquia. Our reputation is based on our people, and we believe we have some of the best in the business.

As our business grows internationally, we’re looking for new people to join us on our journey to inspire and take a key role in shaping some of the best commerce solutions, services, and websites in the world. Working as a team, no problem is insurmountable; we share in our client’s successes and believe that anyone can show creative bravery no matter what their role is in the team.

#LI-AS1

About WPP Media 

WPP is the creative transformation company. We use the power of creativity to build better futures for our people, planet, clients and communities. For more information, visit wpp.com. 

WPP Media is WPP’s global media collective. In a world where media is everywhere and in everything, we bring the best platform, people, and partners together to create limitless opportunities for growth. For more information, visit wppmedia.com 

At WPP Media, we believe in the power of our culture and our people. It’s what elevates us to deliver exceptional experiences for both our clients and each other. In this role it will be critical to embrace WPP & WPP Media’s shared core values: 

• Be Extraordinary by Leading Collectively to Inspire transformational Creativity. 
• Create an Open environment by Balancing People and Client Experiences by Cultivating Trust. 
• Lead Optimistically by Championing Growth and Development to Mobilize the Enterprise. 

Role Summary and Impact   

The Manager / Senior Associate, Client Analytics reports to the Director of Analytics, working to design, customize and maintain platforms for business analytics and measurement. You would have excellent oral and written communication skills, be client obsessed, self-motivated and able to operate both as a team and independently with limited guidance and direction

The Manager / Senior Associate, Client Analytics is following the direction of Director of Analytics and is responsible for data manipulation and visualization, performing quantitative data analysis, problem solving, statistical modeling, and developing/analysing business cases.

WHAT YOU WILL DO   

• Apply deep knowledge of basic statistics (significance testing, correlation analysis, confidence intervals, descriptive statistics) to support analytical solutions.
• Use statistical modelling techniques (regression, classification) to extract business value from campaign data.
• Utilize programming languages (Python, R, SQL), statistical packages (SciPy), and Google tools (BigQuery, Tensorflow, Datalab) to prototype and deliver data-driven solutions.
• Recommend and develop technical solutions with guidance from senior leadership.
• Define project scope, setup, and effort estimation in collaboration with the account Analytics lead.
• Build and maintain strong relationships with Analytics leads and gain a deep understanding of client challenges.
• Work closely with key stakeholders to assess project needs and ensure delivery of best-in-class analytics work.
• Collaborate with regional leadership on process development, improvement, and compliance.
• Support campaign measurement, determine incremental lift from marketing activities, and manage reporting and data needs (ingestion, cleaning, delivery).
• Code in SQL and Python to create reports and build dashboards; automate recurring workloads to improve efficiency.
• Generate meaningful insights using advanced analytics/statistical techniques; create dashboards and presentations for wider teams.
• Ensure continuous collaboration and progression across bands, disciplines, and offices.

Skills and Experience  

• 3–6 years of relevant industry experience in analytics-focused roles.
• Degree in an applied quantitative field (data science, mathematics, statistics, engineering, economics, business management, computer science, or related).
• Understanding of marketing campaigns, objectives, and measurement techniques; prior experience in digital agency or consulting preferred.
• Proficient coding skills in statistical software (R, Python, SciPy), programming languages (SQL, Python), and MS Office tools (especially advanced Excel/Google Sheets).
• Experience in owning and delivering analytics projects, including correlation, regression, significance testing, A/B tests, and supervised machine learning.
• Practical understanding of data science techniques, statistical analysis, and modelling.
• Passion for data analysis, troubleshooting data anomalies, integrating data from multiple sources to create repositories for data science models.
• Ability to transform raw data into actionable business insights for decision-making and strategic planning.
• Strong logical thinking, problem-solving, and stakeholder management skills.
• Excellent verbal and written communication skills.
• Adherence to quality standards and ability to plan and prioritize work.
• Experience using or building reports with business intelligence tools is a plus.
• Experience in applying big data, statistics, and analytical techniques to solve client problems is preferred.
• Business acumen to provide actionable strategic recommendations is preferred

Life at WPP Media & Benefits 

Our passion for shaping the next era of media includes investing in our employees to help them do their best work, and we’re just as committed to employee growth as we are to responsible media investment. WPP Media employees can tap into the global WPP Media & WPP networks to pursue their passions, grow their networks, and learn at the cutting edge of marketing and advertising. We have a variety of employee resource groups and host frequent in-office events showcasing team wins, sharing thought leadership, and celebrating holidays and milestone events. Our benefits include competitive medical, group retirement plans, vision, and dental insurance, significant paid time off, preferential partner discounts, and employee mental health awareness days.   

WPP Media is an equal opportunity employer and considers applicants for all positions without discrimination or regard to characteristics. We are committed to fostering a culture of respect in which everyone feels they belong and has the same opportunities to progress in their careers.

We believe the best work happens when we're together, fostering creativity, collaboration, and connection. That's why we’ve adopted a hybrid approach, with teams in the office around four days a week. If you require accommodations or flexibility, please discuss this with the hiring team during the interview process. 

We are building PIE (Prodigal Intelligence Engine) - the specialized intelligence layer that transforms AI agents from conversational interfaces into truly intelligent decision-makers. We're building the brain that makes agents understand context, make compliant decisions, and deliver personalized experiences at scale. Read more about PIE here

About the role

As a Senior Software Engineer on the Platform team, you'll architect the systems that power PIE - unifying siloed data sources across CRMs, lending systems, dialers, and communication channels into a unified intelligence layer. You're building infrastructure that doesn't just handle data at scale, but extracts meaning from it, enabling AI agents to make contextually intelligent, compliant decisions in real-time.

This isn't incremental improvement - it's foundational work toward an agentic future where specialized AI agents collaborate autonomously to manage entire collections operations. The systems you build today become the backbone of tomorrow's agentic workforce.

What you'll do

• Design and build the distributed systems infrastructure that powers PIE, processing millions of consumer interactions daily while maintaining sub-100ms response times for real-time agent decision-making
• Build robust data unification pipelines that reconcile and synthesize information across heterogeneous systems (CRMs, LMS platforms, dialers, communication channels) into coherent, actionable intelligence
• Create scalable platforms that can ingest, process, and serve insights from 500+ consumer attributes while supporting complex regulatory and compliance requirements
• Own end-to-end architecture and implementation - from high-level system design through production deployment and operational excellence
• Write production-grade code in Python, Golang, and Node.js that balances performance, maintainability, and speed of iteration
• Conduct rigorous code reviews, tackle complex distributed systems bugs, and take ownership of high-risk technical challenges
• Build comprehensive testing strategies spanning unit, integration, and regression capabilities to ensure reliability at scale
• Implement sophisticated monitoring, observability, and troubleshooting capabilities for complex distributed systems
• Drive improvements in key technical metrics: system availability, data freshness, query performance, and cost efficiency
• Partner with ML teams to build infrastructure that supports model training, inference, and continuous learning loops
• Influence technical direction and architectural decisions that span multiple teams and projects
• Mentor junior engineers through code reviews, architectural discussions, and collaborative problem-solving
• Champion engineering best practices, documentation standards, and operational excellence across the platform team

✅ Requirements

• B.Tech./BE/M.Tech Equivalent in Computer Science or relevant education
• 4+ years architecting and building high-throughput, distributed data platforms that process millions of events daily
• Strong hands-on expertise with NoSQL & SQL databases (MongoDB, DynamoDB, PostgreSQL) and modern data warehouses (Redshift, Snowflake, Databricks BigQuery)
• Deep experience building scalable, secure, highly available software that operates reliably under production load
• Proficiency with AWS services, containerization (Docker/Kubernetes), and modern DevOps practices
• Expertise in observability and monitoring tools (Sentry, CloudWatch, Prometheus, ELK) for troubleshooting production systems
• Strong expertise in troubleshooting complex production issues.
• Good problem solving, critical thinking, and communication skills. Should be able to find the right balance between perfection and speed of execution
• Self-starter and self-learner, who never settles
• Comfortable working in a fast paced environment while continuously evaluating emerging technologies
• Bonus: Foundational knowledge of Machine Learning and AI systems - understanding how models are trained, served, and integrated into production applications
• Bonus: Experience building platforms that power real-time AI/ML workloads or agentic systems

⚙️ Our Tech Stack

• Languages & Frameworks: Python, Golang, Node.js
• Databases: MongoDB, PostgreSQL, Databricks
• Infrastructure: AWS (EKS, EC2, Lambda), Kubernetes, Docker
• GenAI Tooling: Cursor, Claude code, and all other leading AI dev tools 

Mode of Work - In-Office (Powai, Mumbai)

What we offer

• GenAI experience – Work directly in the innovative field of GenAI, shaping groundbreaking projects that redefine consumer finance intelligence.
• World-class team - You'll get the chance to learn from (and teach) some of the brightest and most skilled people you'll ever meet. Our team members have been part of BCG, Deloitte, EY, Blackstone, Meta, Amazon and are IIT, IIM, BITS alumnus.
• Continuous education - As relentless seekers of knowledge, we sponsor and support any training materials, books, courses, and exam fees for upskilling yourself in areas related to your role - but that's not where it ends. If you make a good case for some extra learning, we're delighted to foot the tab.
• Food at the office – Meals are on us. We won't let your stomach grumble while you hustle.
• Health insurance - Health always comes first. The health of your family is as important to us, as it is to you. We offer insurance coverage for both you and your family.
• Flexible schedule - We're not a "clock in, clock out" company. Morning person? Start work while the world's still sleeping. Night owl? Ramp things up while others are winding down. You're fully trusted to create the right conditions for your own personal peak productivity. We only ask that you be available to your teammates for seamless collaboration.
• Generous leave policy - Take all the time you need to recharge your batteries - no cap on vacation here. Because a rested, relaxed, and refreshed mind is a happy and effective mind.
• Recreation & team activities – We regularly indulge in friendly football, table tennis, cooking sessions and challenge each other to do those extra push ups or chug that 4th drink (of course that’s Nimbu Pani).