US Credit Lead

Who are Liberis?

At Liberis, we are on a mission to unleash the power of small businesses all over the world - delivering the financial products they need to grow through a network of global partners.

At its core, Liberis is a technology-driven company, bridging the gap between finance and small businesses. We use data and insights to help partners understand their customers’ real time needs and tech to offer tailor-made financial products. Empowering small businesses to grow and keep their independent spirit alive is central to our vision.

Since 2007, Liberis has funded over 50,000 small businesses with over $3bn - but we believe there is much more to be done. Learn more about Liberis by visiting https://www.liberis.com/.

Who are you? 

You’re energised by challenge and motivated by purpose. You love the freedom to shape ideas, work autonomously, and see your decisions make a direct impact. Above all, you’re passionate about finance that fuels small-business growth, not just profit. 

This is an exciting time to join Liberis in Atlanta. We’re scaling fast in the North American market, bringing our embedded finance solutions to more partners and small businesses than ever before. 

Reporting to our Head of Underwriting, you’ll help shape the way we assess and manage risk as we expand, while coaching a talented team and strengthening the foundations of our US operation.  

What you’ll be doing 

• Lead underwriting for high-value and complex cases. Make clear, balanced calls using bank statements, processor data, bureau files, platform telemetry, and cash-flow signals. 
• Set and iterate credit strategy. Policy updates, and playbooks for US embedded programs; segment portfolios and provide threshold recommendations for initials vs renewals. 
• Partner with product, data, and sales. Translate risk insights into pricing changes, decisioning rules, and partner-specific policies without sacrificing CX. 
• Monitor the book. Build weekly views on approval quality, early-delinquency, renewal performance, and partner/channel mix; recommend tighten/loosen actions. 
• Raise underwriting quality. Coach underwriters, run case clinics, codify referral standards, and improve documentation and SLAs. 
• Automate and scale. Prototype in Excel/Power BI; productionize with SQL/Python for cohorts, PD bins, and rule performance; propose decision-system changes. 
• Be a clear referral point. Resolve escalations, align stakeholders, and communicate decisions to partners and customers when needed. 

What we think you’ll need 

• Experience: proven experience in unsecured SMB lending for sellers/platforms (embedded or acquiring/ISV ecosystems). Direct underwriting experience plus policy/strategy exposure. 
• Exposure to commercial bureaus and data vendors (e.g., Experian, Equifax, D&B) and decisioning tooling. 
• Technical: Strong Excel and Power BI for cohorting and trend analysis. Working SQL and Python for data pulls, feature checks, and quick risk studies. 
• Judgment: Track record making independent calls on six-figure exposures, with clear rationales and clean audit trails. 
• Portfolio thinking: Comfort with approval-rate vs loss-rate trade-offs, pricing impacts, renewals economics, and partner-level P&L. 
• Communication: Crisp writing and verbal updates to executives and partners. 
• Leadership: Prior coaching or team-lead experience; builds high standards and a learning culture. 

Nice to have

• Embedded finance or payments/ISV partnerships in the US
• Collections/servicing collaboration for feedback loops into policy 
• Experience of scorecard design and development 
• Basic familiarity with model monitoring and validation concepts

What happens next?

Think this sounds like the right next move for you? Or if you’re not completely confident that you fit our exact criteria, apply anyway and we can arrange a call to see if the role is fit for you. Humility is a wonderful thing, and we are interested in hearing about what you can add to Liberis!

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, but ideally 4 days. 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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