Senior Risk Data & Insights Analyst

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 weve funded almost 50000 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 organisations 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 youll 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 riskindicators (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 accuracyconsistency 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 areupheld.
• 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 productcomplexity increase.
• Create self-serve reporting environments for risk stakeholders while maintainingcontrol frameworks.
• Prepare reporting and datasets for new initiatives on an ad-hoc basis and deep-diveinsights 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 teams day-to-day analytics andoperational 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 reportingpipelines.
• 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 logicand traceability.
• Closely collaborate with colleagues across Liberis especially in the EngineeringAnalytics Product Growth Partnerships and UK/US/European teams.

What we think youll need

• Bachelors or Masters degree in Finance Economics Statistics Mathematics DataAnalytics 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 datasetsfor the end-analytical users. Experience in a similar data role is a must.
• Demonstrated ability to drive high-quality analysis with a robust understanding ofhow 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 ( 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-technicalstakeholders.
• Strong judgement with the ability to make trade-offs between what is desired andwhat is feasible.
• Comfortable working in a fast-moving ambiguous and changing company.
• Experience working cross-functionally with engineering risk operations and financeteams.
• 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.