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Head of Credit Risk Management Embedded Finance

Liberis

Job Location:

London - UK

Monthly Salary: Not provided by the employer

Posted: 11 July 2026 (30+ days ago)

Application Deadline: 8 October 2026

Vacancies: 1 Vacancy

Job Summary

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 inCNBC & Statista Top 150 UK Fintechs for 2025

Were a global team with a dynamic presence in6key locations around the world

Were a thriving community of over290innovative minds

Were a vibrant melting pot celebrating over27nationalities in our team

Our team brings experience from over740previous companies from startups to global giants

We have just been named as one ofFinTechs Finest 50by Welcome to the Jungle

Were proud to be an accreditedReal Living Wageemployer 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 youll be doing:

Ownand 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 Youll 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.

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Required Experience:

Director

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