Head of Credit & Commercial Strategy

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.

Responsibilities

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

Requirements

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