Data Analyst - Credit Risk

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.

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 Credit Risk Analyst to join us on this journey.

The role We're looking for someone who enjoys solving complex problems through data and analysis. This is an ideal role for an analytical thinker who is naturally curious, enjoys investigating trends and identifying opportunities, and is motivated by seeing their work influence real business decisions. You'll be comfortable taking ownership of projects - framing problems, conducting deep analysis, developing recommendations and working with stakeholders to implement change.

While experience in credit risk is beneficial, we're primarily looking for an individual with strong analytical capability, commercial thinking and a track record of turning data into actionable insights. Reporting to the Risk Manager, you'll help shape Liberis' credit risk strategy by delivering analytical insights, developing portfolio monitoring frameworks and driving strategic initiatives across our global products. You'll work closely with teams across Risk, Data Science, Analytics, Product, Pricing and Commercial to ensure our lending decisions support sustainable growth while remaining within our risk appetite.

What you will be doing Own analytical projects from initial problem definition through to recommendation and implementation. Perform deep-dive analyses to identify portfolio trends, emerging risks and opportunities for improvement. Develop and optimise credit risk strategies across the customer lifecycle, including acquisition and collections.

Build and enhance forecasting models to provide forward-looking insight into portfolio performance and emerging trends. Design and maintain portfolio monitoring frameworks and dashboards, transforming data into clear business recommendations. Present analysis, insights and recommendations to senior stakeholders, influencing strategic business decisions.

Identify opportunities to improve portfolio performance through changes to risk strategy, pricing, policy or operational processes. Partner closely with Analytics, Data Science, Product, Partnerships, Pricing and regional teams to deliver cross-functional initiatives. Help improve analytical processes, tooling and ways of working within the Risk team.

What we think you'll need Experience in an analytical role (we anticipate 2-5 years), with a strong track record of using data to solve complex business problems, generate actionable insights and influence decision-making. Demonstrated ownership of analytical projects, taking work from problem definition through analysis to implementation. Strong commercial judgement, with the ability to balance analytical evidence against business objectives.

Excellent stakeholder management and communication skills, with the confidence to present complex findings clearly to both technical and non-technical audiences. Experience using SQL and at least one analytical language such as Python, SAS or R. Strong Excel skills are expected.

Experience with data platforms such as Looker, Power BI, BigQuery or dbt is advantageous.