Liberis
Head of Credit & Commercial Strategy
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Head of Credit & Commercial Strategy
Some Key Info About Liberis
🌱 Founded in 2007
💰 Over $3bn of funding provided to small businesses
🚀 Named in CNBC & Statista Top 150 UK Fintechs for 2025
🌍 Global team with presence in 6 key locations
🧠 Thriving community of over 290 innovative minds
👩🏾 🤝 👨🏼 Celebrating over 27 nationalities
🏢 Team brings experience from over 740 previous companies
🎯 Named one of FinTech’s Finest 50 by Welcome to the Jungle
💪 Accredited Real Living Wage employer
The Team
Play a critical role in the newly formed Credit & Commercial Strategy team by bringing together Pricing, Decisioning & AI/ML Credit Modelling and leveraging a world-class, data-led Credit approach to deliver exceptional outcomes for SMEs and partners. Working between the Credit craft and Platform Families, this is a keystone role to drive Liberis’ growth.
The Role
- Own credit and commercial strategy within your platform family: translating the GM's commercial priorities into clear credit and commercial questions; bring Liberis' credit and commercial frameworks (e.g. return hurdles, pricing models, segmentation) into family-level decisions, and flag where family priorities require new thinking or central support; subject matter expert able to clearly explain complex concepts + educate the team to build literacy
- Own commercial and credit initiatives and elements end-to-end: for example, with an "Auto-Flex" proposition, how should funded amounts and initial prices be set? How do limits and prices evolve dynamically as repayment data comes in?; in a tactical performance push, identify ways to hit and exceed performance targets
- Collaborate across the cross-functional family - product, engineering, underwriting, commercial – to ensure credit and commercial strategy is a first-class input into roadmap and go-to-market decisions, not a late-stage constraint
- Commission and co-build new models and decisioning approaches with the Credit and Commercial Strategy craft, translating family-specific needs into model requirements and validating outputs in context
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What We Think You’ll Need
- Strong grounding in unit economics, credit, pricing and commercial modelling - enough to apply Liberis' frameworks to new product and partner contexts and know the right questions to ask of central model-builders
- Comfortable operating in a matrix: reporting into a GM and aligned to a family's priorities, while working closely with the Credit and Commercial Strategy craft
- Cross-functional collaborator - able to work across product, engineering, risk, and commercial within the family and bring those perspectives together around a coherent credit and commercial approach
- At ease with ambiguity and new product design - many of the problems this role tackles won't have existing playbooks, and you'll need to build the approach from first principles
- Clear communicator: able to translate complex credit and commercial concepts into practical guidance for product teams, commercial leads, and GMs who aren't credit specialists
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Our Hybrid Approach
Working together in person helps us move faster, collaborate better, and build a great Liberis culture. Our hybrid working policy requires team members to be in the office at least 3 days a week. At Liberis, we embrace flexibility as a core part of our culture, while also valuing the importance of the time our teams spend together in the office.
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