Credit & Commercial Senior Analyst

Please note that Liberis is unable to provide visa sponsorship for this position. Therefore, all candidates must have full rights to work in the UK for a minimum of 2 years.   At Liberis, our mission is to empower small and medium-sized businesses by removing finance as a friction to growth, delivering contextual, embedded financial solutions to support merchants at every stage of their business lifecycle.   The team We are the Credit and Commercial Strategy team with a goal to drive intelligent decision-making and pricing strategy by applying advanced statistical analytics to a wealth of data. At the heart of the Risk function, our focus is to deliver high-quality instant decisions and pricing strategies for our customers around the world. Risk team is a global team covering Portfolio Analytics, Credit and Commercial Strategy, Underwriting and Collections. We're on a mission to grow Liberis into the world's leading embedded business finance provider, and we're looking for a Senior Credit & Commercial Strategy Analyst to help us make that happen!   The role   You'll design world-class decisioning and pricing strategies that deliver value to both our customers and Liberis. This is your chance to work on diverse projects that aim to fund as many customers as possible while staying within our risk appetite and to help us achieving our ambitious commercial goals. We're looking for someone with experience in an analytical role who can use data to solve business problems, influence decision-making, and deliver meaningful commercial insights.     What you’ll be doing   * Lead the development and optimisation of global decisioning strategies * Shape pricing strategy that balances risk, commercial value and customer outcomes * Make a meaningful impact to the business by driving positive outcomes for as many customers as possible * Explore new and current data sources to optimise decisioning and pricing policy * Collaborate with key risk stakeholders to maintain an acceptable risk level in a fast-evolving environment * Represent Risk to wider business; collaborating with Product and Commercial teams to unlock business value * Work closely with the Machine Learning team on the life cycle of predictive model; propose features for future development * Own and continue to improve the monitoring capability for auto-decisioning rules and predictive models   What we think you’ll need   * 2-4 years of experience in an analytical role * A strong analytical mindset with a passion for turning complex data into insights * The ability to communicate your findings clearly and effectively * A proactive approach to driving initiatives in a dynamic environment * A keen eye for detail without losing sight of the bigger picture * Confidence to work autonomously, while knowing when to seek support * An appetite to understand machine learning models and how they are developed * Proficiency in SQL is required * Strong MS Excel skills are required * GCP experience and Python skills are a plus * Experience with data visualization tool such as PowerBI, Looker. * A solid STEM background is great, but we care more about aptitude than formal education   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.    #LI-CG1

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal [https://monzo.com/current-account/personal] and business [https://monzo.com/business-banking] bank accounts, we offer joint accounts [https://monzo.com/current-account/joint-account], accounts for 16-17 year olds [https://monzo.com/current-account/16-17], a free kids account [https://monzo.com/current-account/under-16s] and credit cards [https://monzo.com/flex] in the UK, with more exciting things to come beyond. Our UK customers can also save [https://monzo.com/savings], invest [https://monzo.com/investments]and combine their pensions [https://monzo.com/pensions] with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London | 💰£60,000 - £70,000 ➕ Incentive Awards tied to your performance | Benefits [https://monzo.com/careers/] | Hear from the team [https://www.youtube.com/watch?v=U62l09nB0M4] ✨   ⭐ Our Finance team We're looking for a highly proactive, enthusiastic and commercially-minded Financial Reporting Senior Analyst to join our Financial Reporting team, and help us build a world-class finance function. This role would be well suited to a fully qualified Chartered Accountant with an audit background. We have some really exciting challenges coming up like expanding into the European Union, the introduction of Monzo Mobile and Habito to our group, climate change reporting, continuing to grow our customer base, growing our lending business and adding to our marketplace. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial reporting processes with the help of technology. You’ll join the Finance team and report to our Financial Reporting Manager. 🔑 You’ll play a key role by... * Understanding the business and our products to write insightful management commentary. * Working with our engineers and data teams to automate the production elements of this role, allowing you to focus on the parts of the role where your knowledge and skills provide the most value. * Understanding our accounting system and making sure we are taking advantage of all its features to minimise manual elements of reporting. * Being responsible for ensuring our financial reporting policies, procedures and controls are up to date, relevant and useful for Monzo and importantly are scalable. * Supporting the full year end process, from drafting the annual report to working with external auditors until final sign-off. * Reviewing new products, assessing the accounting and implementing them in our banking platform and accounting system. * Working with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched. * Maintaining existing and develop new controls that protect our financial data and our balance sheet substantiation process * Assisting with the implementation of our new accounting system to make sure we are taking advantage of all its features to minimise manual elements of reporting * Supporting on the production of ESG sustainability reporting and disclosures * Preparing monthly management and adhoc reports, offering meaningful analysis of  movements. * Reviewing and assessing the accounting impact of new contracts, working closely with the business and legal team before contracts are signed to establish the correct accounting treatment.  * Supporting tight processes with our internal finance team to ensure a swift month-end close process. * Resolving miscellaneous inquiries and supporting the overall finance team wherever needed - from forecasting and valuations, to bank transfers and tax policy research! 🤩 We’d love to hear from you if… * You’re a qualified chartered accountant (ACA or CA) and ideally have audit experience combined with financial reporting and control experience outside of practice.  * You have a great eye for detail * You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls * You’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investors * You’re comfortable translating complex information into simple words for people with diverse backgrounds * Highly comfortable with leveraging data to automate reporting and drive efficiency (SQL skills would be a bonus) * You thrive in a dynamic and constantly evolving environment * Nice to have (one or more) * Experience in a listed company or financial services regulated environment.  * US reporting/SOX compliance.  * Strong business partnering/commercial financial acumen.  * ESG reporting/audit of sustainability information (carbon footprint, CFD/CSRD) Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌 What’s in it for you 💰£60,000 - £70,000 ➕Incentive Awards tied to your performance . 📍This role is based in our London office and we aim to come in as a team twice a week (usually Tuesdays and Wednesdays). We're open to distributed working within the UK (with ad hoc meetings in London) if required. ⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  📚£1,000 learning budget each year to use on books, training courses and conferences. 🏡We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits [https://monzo.com/careers/].   🌈 The application journey has 4 key steps Phone call with the Recruiter  Initial video call with hiring manager (30 mins)Technical video call/ meeting with hiring manager and stakeholder (45 mins)Monzo behavioural interview (45 mins) This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. [https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo] You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog [https://monzo.com/blog/diversity-and-inclusion], 2026 Diversity and Inclusion Report [https://monzo.com/blog/our-2026-diversity-and-inclusion-report] and 2025 Gender Pay Gap Report. [https://monzo.com/blog/gender-pay-gap-report-2025] We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊