Lead Liberis' credit risk strategy and appetite, manage portfolio performance across products and partners, and oversee Portfolio Management & Analytics, Underwriting, and Collections & Recoveries. Partner with Commercial, Finance, Pricing, Decisioning, ML, Product and Operations to enable growth while controlling risk-adjusted returns. Build and retain high-performing teams, establish governance and decision frameworks, contribute to new products and market expansion, and provide actionable risk insights to senior leadership.
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!
At Liberis, we are on a mission to provide accessible and responsible finance to small businesses through our embedded finance partnerships! As Head of Credit Risk Management, you will play a key role in delivering our risk strategy and ensuring that risk management supports sustainable and profitable growth.
Reporting to the VP of Risk, you will be responsible for evolving and managing Liberis' risk appetite framework, monitoring portfolio performance and partnering closely with teams across Commercial, Finance, Pricing, Decisioning, Machine Learning, Product and Operations. You will help ensure Liberis continues to grow responsibly, supporting new products, strategic partnerships and expansion into new markets while maintaining strong portfolio performance.
You will lead three core functions within Risk: Portfolio Management & Analytics, Underwriting, and Collections & Recoveries. Through these teams, you will drive strong risk outcomes, optimise portfolio performance and help ensure risk remains a strategic enabler of growth across the business.
This role is ideal for a commercially minded risk leader who enjoys combining analytical rigour with cross-functional collaboration to deliver strong business and customer outcomes.
What you'll be doing:
- Own and evolve Liberis' risk appetite framework, keeping it aligned with business growth and strategic direction.
- Monitor and manage portfolio performance across products, partners and geographies, ensuring risk stays within appetite.
- Act as a strategic partner to Commercial, Finance, Pricing, Product and Operations — enabling growth while managing risk-adjusted returns.
- Contribute to new product development, partnerships and market expansions.
- Lead three core functions — Portfolio Management & Analytics, Underwriting, and Collections & Recoveries — driving strong outcomes across all three.
- Build, develop and retain high-performing teams, establishing strong governance and decision-making frameworks.
- Provide clear, actionable risk insights to senior leadership to inform business decisions.
What We Think You'll Need
- Significant credit risk leadership experience in lending, fintech or embedded finance, ideally in unsecured SME credit.
- Deep understanding of the full credit lifecycle — PD/LGD/ECL, IFRS 9, risk appetite, and portfolio management in a growth-oriented environment.
- Proven track record leading underwriting, portfolio management or collections functions.
- Strong commercial instincts — you see risk management as a growth enabler, not just a control function.
- Ability to lead cross-functional collaboration and influence senior stakeholders across a complex organisation.
- Data-driven mindset with experience using analytics and technology to improve risk and operational outcomes.
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. 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
Similar Jobs
Aerospace • Information Technology • Software • Cybersecurity • Design • Defense • Manufacturing
Design and integrate aircraft cabin interior modifications using CAD (layouts, galleys, lavatories, PSUs, crew rest), produce compliance substantiation (flammability, design reports, safety analysis), create service/airworthiness documentation, support surveys and on-site installations, liaise with customers/vendors/regulators, and support bids and STC projects.
Top Skills:
3DxAutocadCadCatia V5
.png){kind=logo}
AdTech • Cloud • Digital Media • Information Technology • News + Entertainment • App development
Maintain and produce floor plans in AutoCAD, support test fits and space moves, analyse occupancy/utilisation, assist with CAFM/Power BI reporting, coordinate contractors and suppliers, provide administrative and presentation support to the Workplace Planning team.
Top Skills:
Autocad 2020CafmExcelOffice 365Power BI
AdTech • Cloud • Digital Media • Information Technology • News + Entertainment • App development
Provide design, implementation, and full-stack lifecycle support for digital asset delivery systems; tune and optimize application performance; troubleshoot incidents and lead root-cause analysis; collaborate with DevOps to build monitoring and automation; write scripts and code to automate operations and participate in 24x7 on-call rotation.
Top Skills:
AiopsAnsibleAsperaAWSAzureChefDnsF5 LtmFirewallsGitGitGCPIpv4Ipv6JenkinsJIRALinuxNode.jsPerlPuppetPythonServicenow AgileSigniantSslTcp/IpTerraformUdp
What you need to know about the NYC Tech Scene
As the undisputed financial capital of the world, New York City is an epicenter of startup funding activity. The city has a thriving fintech scene and is a major player in verticals ranging from AI to biotech, cybersecurity and digital media. It also has universities like NYU, Columbia and Cornell Tech attracting students and researchers from across the globe, providing the ecosystem with a constant influx of world-class talent. And its East Coast location and three international airports make it a perfect spot for European companies establishing a foothold in the United States.
Key Facts About NYC Tech
- Number of Tech Workers: 549,200; 6% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Capgemini, Bloomberg, IBM, Spotify
- Key Industries: Artificial intelligence, Fintech
- Funding Landscape: $25.5 billion in venture capital funding in 2024 (Pitchbook)
- Notable Investors: Greycroft, Thrive Capital, Union Square Ventures, FirstMark Capital, Tiger Global Management, Tribeca Venture Partners, Insight Partners, Two Sigma Ventures
- Research Centers and Universities: Columbia University, New York University, Fordham University, CUNY, AI Now Institute, Flatiron Institute, C.N. Yang Institute for Theoretical Physics, NASA Space Radiation Laboratory
