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About the Role
As Head of Credit Risk Management, you will play a key role in delivering Liberis' 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. 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.
Responsibilities
- 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.
Requirements
- 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.
Location
- Global
Work Type
- Hybrid
About the Company
- Founded in 2007
- Provided over $3bn of funding to small businesses
- Named in CNBC & Statista Top 150 UK Fintechs for 2025
- Global team with a dynamic presence in 6 key locations
- Thriving community of over 290 innovative minds
- Vibrant melting pot, celebrating over 27 nationalities
- Team brings experience from over 740 previous companies
- Named as one of FinTech’s Finest 50 by Welcome to the Jungle
- Proud to be an accredited Real Living Wage employer