Decision Science Analyst

Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.

About Us

Liberis is on a mission to supercharge the power of small businesses all over the world - delivering the financial products they need to grow through a network of global 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 tech to offer tailor-made funding and financial products. Empowering small businesses to grow and keep their independent spirit alive is central to our vision.

Up to now we have funded almost 40,000 small businesses with over $1.5bn - but we believe there is much more to be done.

The team

We are the Decision Analytics team with a goal to drive intelligent decision-making by applying advanced statistical analytics and data science techniques to a wealth of data. At the heart of the Risk function, our focus is to deliver high-quality instant decisions for our customers around the world.

The Risk team is based in London and covers Risk Analytics, Decision Analytics, Underwriting and Collections. We're on a mission to grow Liberis into the world's leading embedded business finance provider, and we're looking for a Senior to Lead-level Credit Risk Analyst to help us make that happen!

The role

Are you passionate about tackling complex challenges? Do you crave autonomy and the chance to innovate? If you're eager to make a real impact in finance that supports small businesses rather than just chasing profit, this is the perfect role for you.

Reporting to the Senior Manager in the Decision Analytics team, you'll design world-class decisioning strategies that deliver value to both our customers and Liberis. This is your chance to work on diverse projects that aim to fund as many customers as possible while staying within our risk appetite.

If you’ve got experience in an analytical role, using statistical tools to shape strategy, and the ability to turn data into clear, actionable insights, we want to hear from you!

What You’ll Be Doing

• Lead the development and optimisation of global decisioning strategies
• Make a meaningful impact to the business by driving positive outcomes for as many customers as possible
• Explore new and current data sources to optimise decisioning policy
• Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment
• Represent Risk to wider business. Collaborating with Product and Commercial teams to unlock business value
• Work closely with the Machine Learning team on the life cycle of predictive model. Propose features for future development
• Own and continue to improve the monitoring capability for auto-decisioning rules and predictive models

What We Think You’ll Need

• 2-4 years of experience in an analytical role
• A strong analytical mindset with a passion for turning complex data into insights
• The ability to communicate your findings clearly and effectively
• A proactive approach to driving initiatives in a dynamic environment
• A keen eye for detail without losing sight of the bigger picture
• Confidence to work autonomously, while knowing when to seek support
• An appetite to understand machine learning models and how they are developed
• Proficiency in SQL is required
• Strong MS Excel skills are required
• GCP experience and Python skills are a plus
• Experience with data visualization tool such as PowerBI, Looker, Tableau is a bonus
• A solid STEM background is great, but we care more about aptitude than formal education

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!