Head of Credit Risk Management - Embedded Finance
HybridLondon, England, United Kingdom
Job Summary
Own and evolve Liberis' risk appetite framework, aligning it with business growth and strategic direction. Monitor and manage portfolio performance across products, partners, and geographies to ensure risk stays within appetite. Act as a strategic partner to Commercial, Finance, Pricing, Product, and Operations teams, enabling growth while managing risk-adjusted returns. Lead three core functions—Portfolio Management & Analytics, Underwriting, and Collections & Recoveries—driving strong outcomes across all areas. Contribute to new product development, partnerships, and market expansions while providing actionable risk insights to senior leadership. Build and retain high-performing teams with strong governance and decision-making frameworks. This role requires significant credit risk leadership experience in lending, fintech, or embedded finance, ideally in unsecured SME credit, with a hybrid schedule of at least three days in the office.
Required Qualifications
- 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
- Team members to be in the office at least 3 days a week
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