---
title: 'Senior Underwriter at Liberis'
canonical: 'https://feeny.ai/job/senior-underwriter-liberis-atlanta-fak23e5e0185'
type: 'job'
last_seen: '2026-10-16'
---

# Senior Underwriter at Liberis

- **Company:** Liberis
- **Location:** Atlanta, GA
- **Posted:** 2026-10-07
- **Last confirmed live:** 2026-10-16
- **Apply:** https://job-boards.greenhouse.io/liberis/jobs/8256288

## Job description

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 Risk team responsible for managing the credit risk of Liberis’ portfolios, which include designing effective new strategies, managing the credit quality of our products across geographies, and providing specialist credit risk advice to the business.

The Risk team is primarily based in London, UK with colleagues in Atlanta, US and Stockholm, Sweden too and covers Risk Analytics, Decision Science and Underwriting. Our mission is to grow Liberis profitably to become the leading embedded business finance provider and we are looking for an Underwriter to join us on this journey.

Who are you?

You are an experienced underwriter who combines strong credit judgment with a practical, customer-aware approach. You are comfortable making independent decisions on complex applications, explaining your rationale, and helping others strengthen theirs. You take ownership of quality and timeliness and use your experience to improve how the team works.

Reporting to the Senior Underwriting Manager in Atlanta, you will serve as a senior individual contributor within the US Underwriting team. You will assess higher-complexity applications, act as a referral point, coach and mentor for your colleagues, and contribute thought leadership to the continued development of our US underwriting approach.

## What you’ll be doing

As a Senior Underwriter, you will combine expert deal assessment with informal leadership across the team. You will make sound, balanced decisions that protect Liberis while helping small businesses access responsible finance.

- Independently assess new and repeat funding applications, using bank statements, credit bureau data, financial statements, and other relevant information to make well-supported decisions
- Exercise delegated approval authority with sound judgment, clearly documenting decision rationale and escalating applications when appropriate
- Serve as a referral and escalation point for underwriters and business stakeholders on complex, unusual, or higher-risk applications
- Coach and mentor underwriters through case discussions, side-by-side reviews, constructive feedback, and regular decision calibration
- Support onboarding and ongoing development by sharing practical underwriting knowledge, strengthening consistency, and modeling high standards
- Partner with customers and internal teams to gather information, resolve questions, and communicate underwriting decisions clearly and professionally
- Provide underwriting thought leadership by identifying portfolio trends, emerging risks, and opportunities to strengthen policies, controls, and decision quality
- Lead or support process improvements and ad-hoc analysis that improve efficiency while maintaining an appropriate balance between customer experience and risk

## What we think you’ll need

The best Senior Underwriters can make decisions strategically when information is limited. They combine technical expertise with sound judgment, communicate their reasoning, and raise the capability of the people around them. Our team currently consists of several bright and talented individuals, and our next hire will further strengthen the team by not only contributing to underwriting interesting and complex deals but also by introducing fresh and experienced perspective.

- 5+ years of experience in underwriting, ideally in small-business finance or a similar lending environment
- A strong record of making independent credit decisions on complex applications and defending those decisions with clear, evidence-based reasoning
- Strong knowledge of cash-flow analysis, affordability, financial statements, credit bureau information, fraud indicators, and common small-business debt structures
- Demonstrated experience coaching or mentoring colleagues and giving constructive feedback that improves judgment and performance
- The ability to provide thought leadership, challenge existing approaches constructively, and influence decisions across teams
- Excellent written and verbal communication skills, including the ability to explain complex credit decisions to varied audiences
- Sharp attention to detail and the ability to manage competing priorities, high application volumes, and service-level expectations
- Strong Excel skills; analytical training and exposure to SQL are a plus

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!

## #LI-CG1

## About Liberis

## Company Overview
- **One-liner**: Liberis is a global embedded finance platform that enables platforms to offer contextual funding solutions to small businesses, co-creating products that integrate seamlessly into partner ecosystems.
- **Entity Type**: Private (Privately Held)
- **Headquarters**: London, United Kingdom
- **Founded**: 2007
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Financial Services (Embedded Finance / Fintech)
- **Target customers**: B2B – platforms including vertical SaaS providers, marketplaces, payment processors, and payment companies
- **Mission or purpose**: To deliver contextual finance that helps small businesses grow at every stage, co-created with partners and embedded in their ecosystems.

## Products & Services
- **Embedded Funding Solutions**: A suite of financing products (e.g., revenue-based financing, merchant cash advances) ranging from $500 to $1M+, with flexible repayment aligned to business performance. Products are API-driven and can be configured, launched, and scaled across 15 markets without requiring further platform integration.
- **Partner Platform**: A single integration that allows partners to offer multiple funding products, with features like a 4-click application, instant decisions, and funds delivered in seconds.

## Market Standing
- **Valuation/Market Cap**: Not disclosed
- **Key Metric**: Total Funding: $449.5M (across 9 rounds, including debt financing) | Annual Revenue: $32.0M
- **Notable Investors/Partners**: Over 40 global partners (specific investor names not disclosed in provided sources). Debt financing rounds from undisclosed institutional investors.
- **Growth Signals**: Headcount of 246 employees (+14.7% YoY); reaches 1.5 million SMBs globally; 77% of customers saw revenue growth post funding; operates in 15 markets across UK, US, Sweden, India, Germany, Australia, and more.

## Competitive Advantages
- **True partnership and co-creation**: Solutions are designed around each partner’s brand, technology, and merchant needs, not off-the-shelf.
- **Deep merchant understanding**: Data-led intelligence reads merchant rhythm to deliver right-time offers based on real signals.
- **Flexible, API-driven architecture**: Platforms can add new products over time with minimal integration effort.
- **Global reach**: Proven ability to launch and scale embedded finance in 15 markets with a single integration.

## Strategic Focus
- **Embedded finance expansion**: Continue co-creating new funding products and entering new markets.
- **Measurable growth loop**: Track platform impact on activation, retention, and GMV through partner dashboards.
- **Product innovation**: Leverage existing five funding solutions and design new ones based on partner and merchant needs.

## Why Work Here
- **Flexible working**: Full-time remote or hybrid options; can work from anywhere in the world for 60 days per year.
- **Learning & development**: £1,000 annual learning fund per employee.
- **Wellbeing**: Partnership with mental health platform Unmind.
- **Parental leave**: 20 weeks fully paid leave.
- **Sabbatical**: Up to 3 months after 2 years of continuous service.
- **Culture**: Emphasises empathy, owning outcomes, and open communication. DEIB council drives initiatives on parenting, mental health, etc.
- **Offices**: London (HQ), Atlanta, Stockholm, Munich, Nottingham, Mumbai.
- **Team activities**: Weekly football and netball squads, sports socials.

## Sources
1. [liberis.com](https://www.liberis.com/)
2. [liberis.com/careers](https://www.liberis.com/careers)
3. [liberis.com/about-us](https://www.liberis.com/about-us)
4. [job-boards.greenhouse.io/liberis](http://job-boards.greenhouse.io/liberis)
5. [linkedin.com/company/liberis1](https://www.linkedin.com/company/liberis1)

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