Credit Risk Analyst

• Develop and monitor credit risk strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections
• Develop and maintain frameworks to monitor portfolio risk performance, ensuring it’s within agreed risk appetite; transforming data into recommendations
• Lead analytical deep-dives into portfolio trends and emerging risks
• Represent risk to the wider business, driving changes via the product team and
• presenting analytical work to senior management
• Identify and deliver risk performance improvements across Liberis’s existing and new products globally - from pricing adjustments to policy changes
• Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Partnerships, Pricing and UK/US/European teams

What we think you'll need

• 2–4 years of experience in an analytical role working on credit risk strategies, portfolio analysis, or lending products
• Demonstrated ability to identify emerging risks and propose practical actions or strategy changes based on data
• Evidence of taking ownership of analyses and driving work through to recommendations and outcomes
• Good commercial awareness - able to balance risk and return when forming recommendations
• Experience working across functions - comfortable managing stakeholders at different levels, presenting risk recommendations to product, commercial, or leadership teams, and adapting your message to the audience
• Hands-on experience with data (SQL, Python, SAS or similar), strong Excel skills, Google Cloud Platform tools (Looker, dbt, Big Query) or Power BI
• Clear communication skills, with the ability to explain complex findings simply and persuasively

What happens next?

Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis! 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, but ideally 4 days. 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-CG1