Head of Credit & Commercial Strategy

Job description

**Some key info for you about Liberis:** 🌱 We were founded in 2007 💰 We have provided over $3bn of funding to small businesses so far 🚀 We have been named in **CNBC & Statista Top 150 UK Fintechs for 2025** 🌍 We're a global team, with a dynamic presence in **6** key locations around the world 🧠 We're a thriving community of over **290** innovative minds 👩🏾 🤝 👨🏼 We're a vibrant melting pot, celebrating over **27** nationalities in our team 🏢 Our team brings experience from over **740** previous companies, from startups to global giants 🎯 We have just been named as one of **FinTech’s Finest 50** by Welcome to the Jungle 💪 We’re proud to be an accredited **Real Living Wage** employer, ensuring everyone is paid fairly for the great work they do! **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 **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 **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. #LI-FC1