Head of Credit Risk Management – Embedded Finance

Overview

As Head of Credit Risk Management you will shape Liberis’ risk strategy to enable sustainable, profitable growth in embedded finance. You’ll oversee risk appetite, portfolio performance and cross-functional collaboration with Commercial, Finance, Pricing, Product and Operations. Your leadership will unify underwriting, portfolio analytics and collections to optimise risk-adjusted returns. This is a strategic, impact-led role that partners with product and markets to drive responsible expansion. You’ll lead and develop high-performing teams and deliver clear risk insights to senior leadership.

Pay / Benefits

• Real Living Wage employer
• hybrid working policy (3 days in office)
• global team, diverse culture
• flexible hybrid culture

Responsibilities

• Own and evolve the risk appetite framework in line with growth
• Monitor portfolio performance across products, partners and geographies
• Act as a strategic partner to cross-functional teams to enable growth with controlled risk
• Contribute to new product development, partnerships and market expansions
• Lead Portfolio Management & Analytics, Underwriting, and Collections & Recoveries to drive outcomes
• Build and retain high-performing teams with governance and decision-making frameworks
• Provide actionable risk insights to senior leadership for business decisions

Key requirements

• Significant credit risk leadership in lending, fintech or embedded finance (unsecured SME credit preferred)
• Deep understanding of the full credit lifecycle (PD/LGD/ECL), IFRS 9, risk appetite, portfolio management in growth environments
• Proven track record in underwriting, portfolio management or collections leadership
• Strong commercial instincts: risk as a growth enabler, not only a control function
• Ability to lead cross-functional collaboration and influence senior stakeholders
• Data-driven mindset with analytics and technology to improve risk and operations

• cross-functional collaboration
• influence senior stakeholders
• data-driven decision making
• PD/LGD/ECL
• IFRS 9
• risk appetite frameworks

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