Head of Credit & Commercial Strategy
About this role
Some key info for you about Liberis:Ā
š± We were founded in 2007
š° We have provided over $3bn of funding to small businesses so far
š We have been named inĀ CNBC & Statista Top 150 UK Fintechs for 2025
š We're a global team, with a dynamic presence inĀ 6Ā key locations around the world
š§ We're a thriving community of overĀ 290Ā innovative minds
š©š¾ š¤ šØš¼ We're a vibrant melting pot, celebrating overĀ 27Ā nationalities in our team
š¢ Our team brings experience from overĀ 740Ā previous companies, from startups to global giants
šÆ We have just been named as one ofĀ FinTechās Finest 50Ā by Welcome to the Jungle
šŖ Weāre proud to be an accreditedĀ Real Living WageĀ employer, ensuring everyone is paid fairly for the great work they do!
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The team:
Play a critical role in the newly formed Credit & Commercial Strategy team by bringing togetherĀ Pricing, Decisioning & AI/ML Credit Modelling and leveraging a world-class, data-led Credit approachĀ to deliver exceptional outcomes for SMEs and partners. Working between the Credit craft andĀ Platform Families, this is a keystone role to drive Liberisā growth.
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The role:
Own credit and commercial strategy within your platform family: translating the GM'sĀ commercial priorities into clear credit and commercial questions; bring Liberis' credit andĀ commercial frameworks (e.g. return hurdles, pricing models, segmentation) into family-levelĀ decisions, and flag where family priorities require new thinking or central support; subjectĀ 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 andĀ prices evolve dynamically as repayment data comes in?; in a tactical performance push,Ā identify ways to hit and exceed performance targetsā¢Ā Collaborate across the cross-functional family - product, engineering, underwriting,Ā commercial ā to ensure credit and commercial strategy is a first-class input into roadmap andĀ go-to-market decisions, not a late-stage constraint
Commission and co-build new models and decisioning approaches with the Credit andĀ Commercial Strategy craft, translating family-specific needs into model requirements andĀ validating outputs in context
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What we think youāll need:
- Strong grounding in unit economics, credit, pricing and commercial modelling - enough toĀ apply Liberis' frameworks to new product and partner contexts and know the right questionsĀ to ask of central model-builders
- Comfortable operating in a matrix: reporting into a GM and aligned to a family's priorities,Ā while working closely with the Credit and Commercial Strategy craft
- Cross-functional collaborator - able to work across product, engineering, risk, andĀ commercial within the family and bring those perspectives together around a coherent creditĀ and commercial approach
- At ease with ambiguity and new product design - many of the problems this role tacklesĀ 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 practicalĀ guidance for product teams, commercial leads, and GMs who aren't credit specialists
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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