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.

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