Open position
Credit Manager
Lead the credit expertise behind the platform, designing the credit policy, limit-setting and monitoring models that client institutions apply to their own programmes.
About Liquiditas
Liquiditas builds the technology platform for supply chain finance, used by financial institutions launching SCF products under their own brand and by companies running supplier early-payment programmes. Liquiditas is part of the Hut4 Capital Group.
The role
We are seeking a Credit Manager to own the credit expertise behind the platform, a hands-on, specialist role for a finance professional who has worked in credit assessment, portfolio monitoring and counterparty due diligence. Liquiditas does not fund programmes itself: the credit decision and the risk sit with the institution running each programme, and this role designs and supports the models they use.
The Credit Manager covers the full credit lifecycle on the platform, onboarding due diligence of buyers and suppliers, financial review and risk scoring, limit-setting, exposure monitoring across SCF products, and the credit policies and procedures client institutions adopt.
Key responsibilities
Credit policy & governance
- Design and maintain the credit policy and risk frameworks client institutions configure for SCF and receivables financing.
- Keep those frameworks aligned with the governance standards and regulatory expectations our bank clients operate under.
Credit & counterparty assessment
- Define the financial and counterparty checks used when onboarding buyers and suppliers.
- Build the credit analysis models: financial review, ratio assessment and risk scoring.
- Produce credit reviews and limit recommendations that client institutions can adopt or adapt.
- Support periodic reviews of limits and exposures on client programmes.
Portfolio monitoring & risk management
- Define the portfolio monitoring, concentration, ageing and early-warning indicators the platform surfaces.
- Support client credit teams in identifying and managing deteriorating exposures.
Stakeholder communication, reporting & collaboration
- Contribute to the credit and portfolio reporting clients use for management and regulators.
- Support credit-related audits and regulatory conversations with client institutions.
- Work closely with Sales, Operations, Product and Compliance to ensure smooth onboarding and consistent credit standards.
- Support programme-structuring discussions with timely credit input.
- Coordinate with Product and Operations on exposure reporting and portfolio analytics.
Requirements
- Degree in Finance, Banking, Accounting, Economics, or a related field.
- Minimum 3 years’ experience in credit analysis or credit risk management within a bank, factoring company or regulated fintech.
- Strong understanding of receivables-based financing, supply chain finance and working-capital programmes.
- Experience with Malta’s regulatory environment (credit, risk, financial services).
- Strong financial analysis capability: P&L, balance sheet, cash flow, ratios, credit scoring.
- Strong judgement, analytical depth and the ability to work in an entrepreneurial environment.
Apply for this role
Send your CV and a short note with the subject “Application: Credit Manager”.