Senior Risk Analyst - Portfolio Management

Blenheim Chalcot

  • London
  • Permanent
  • Full-time
  • 1 month ago
About usLiberis 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 teamWe 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 roleYou 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 organisation's 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 you'll be doing
  • Develop and monitor credit risk strategies, balancing risk against returns. These strategies may cover a variety of different channels and products, and cover the full credit lifecycle, from new business to Collections
  • Develop framework to monitor risk performance of portfolios to ensure that they are performing within expectations. Review acquisitions and portfolio trends, transforming data into recommendations to the business, identifying both risks and opportunities that require action
  • Represent risk to the wider business, driving changes via the product team and presenting analytical work to senior management
  • Deliver insights and optimisation of our risk performance and applying this to all of Liberis's existing and new products globally
  • Closely collaborate with colleagues across Liberis, especially in the Analytics, Data Science, Growth, Partnerships and UK/US/European teams
What we think you'll need
  • Experience in an analytical role - ideally around 2-4 years experience
  • Ability to drive forward initiatives especially in a rapidly evolving environment
  • Demonstrated ability to drive high-quality analysis, with robust understanding of how this will be used practically
  • Willingness and ability to do hands-on work using a range of data sources and analytical tools
  • A collaborative mindset and willingness to work with a wide range of teams
  • Exceptional Excel skills, with proficiency in SQL or SAS or Python and experience with Google Cloud Platform tools such as Looker, DBT and BQ would be a plus but not a must-have.
  • Ability to convey complex findings in a logical and easy-to-understand style
  • Turns rigorous analysis into clear, reasoned recommendations
  • Ability to refocus as needed to support a rapidly growing and evolving company
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Blenheim Chalcot