Capital & Impairment Manager

Admiral Group Plc; Deutschland; Hybrid; EUR 105.000 - 140.000; Vollzeit

Benefits dieser Stelle

Free shares

33 days holiday

Holiday buy/sell

Zusammenfassung

Admiral Group plc is seeking a Senior Capital & Impairment Manager to join Admiral Money's Financial Risk team. The role leads impairment, forecasting, stress testing and capital analytics across unsecured personal loans, motor finance and mortgages, with strategic influence and governance responsibilities.

You will lead a team of analysts, collaborate with Finance, Treasury and Credit Risk, and contribute to prudential risk management and capital resilience.

Qualifikationen

• Senior leadership role overseeing impairment, forecasting, stress testing and capital analytics across lending products.
• Strong governance and oversight requirements with stakeholder collaboration.
• Experience in regulated lending environments and prudential risk management.
• Advanced analytical capabilities and programming in Python/SQL.
• Proven ability to coach and develop analytical teams.

Aufgaben

• Lead the strategic direction and enhancement of Admiral Money's IFRS 9 impairment framework.
• Own impairment forecasting and insights for senior stakeholders.
• Lead stress testing and scenario analysis for planning and regulatory readiness.
• Provide interpretation of portfolio performance, ECLs, capital requirements and resilience.
• Oversee funding and liquidity risk exposures and covenant monitoring.
• Coach and develop a team of analysts and modelling specialists.

Kenntnisse

IFRS 9 impairment

Impairment forecasting

Stress testing

Capital analytics

Leadership

Governance

Python

SQL

Excel

Jobbeschreibung

We are looking for a Senior Capital & Impairment Manager to join our Financial Risk team. This is a senior leadership role with accountability for the development and oversight of Admiral Money's impairment, forecasting, stress testing and capital analytics capabilities across unsecured personal loans, motor finance and mortgages. The role combines deep technical expertise with leadership, strategic influence and governance responsibilities. You will lead a team responsible for model development, forecasting, reporting and insight generation, ensuring outputs are robust, well-governed and support effective business decision-making. Acting as a senior subject matter expertise and trusted adviser, you will work closely with senior stakeholders across Finance, Treasury, Credit Risk and the wider business to provide insight into financial risk exposures and emerging trends. The role also plays a key part in supporting the firm's broader prudential risk management framework, including funding and liquidity risk oversight, warehouse structures, covenant monitoring and capital resilience assessments. This is a hybrid role with the expectation to be in our Cardiff Office 2 days a week minimum.

What You Will Be Doing

• Lead the strategic direction and ongoing enhancement of Admiral Money's IFRS 9 impairment framework, including model development, oversight, governance and performance monitoring.
• Own impairment forecasting and insight generation, ensuring senior stakeholders have a clear understanding of emerging risks, portfolio performance and forecast impacts.
• Lead stress testing and scenario analysis activities, supporting business planning, risk appetite assessment, capital management and regulatory readiness.
• Provide expert analysis and interpretation of the relationship between portfolio performance, expected credit losses, capital requirements and financial resilience.
• Deliver oversight and challenge across funding and liquidity risk exposures, including warehouse structures, utilisation, covenant compliance and associated risks.
• Act as a senior adviser to governance forums and executive stakeholders, translating complex analytical outputs into clear recommendations and business actions.
• Lead, coach and develop a team of analysts and modelling specialists, setting high standards for analytical quality, governance and stakeholder engagement.
• Drive continuous improvement across modelling, forecasting, reporting and automation capabilities to enhance efficiency, scalability and insight generation., As a Senior Site Reliability Engineer (SRE), you will play a critical role in ensuring the reliability, performance, and scalability of our software systems and infrastructure. You'll leverage your Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment.
• Advanced analytical capability with strong experience using Python, SQL and Excel.

Desirable

• Experience across multiple lending products such as unsecured personal loans, motor finance and/or mortgages. (Implied by the scope of the role.)
• Experience using modern reporting and visualisation tools.
• Experience with funding and liquidity risk management.
• Knowledge of warehouse facilities and securitisation structures.
• Experience monitoring financial covenants and associated risk exposures.
• Broader prudential risk management experience, including capital resilience assessments and funding oversight.

Admiral Money is an exciting and growing division within Admiral Group. We combine the pace and ambition of a growing lender with the backing and stability of a FTSE-listed business. Since launching unsecured personal loans in 2017, we have continued to grow and diversify, with Motor Finance and Mortgages added more recently.

We are looking for people who are keen to learn, excited to get stuck in and ready to help us build something special for our customers.

We take pride in being a diverse and inclusive business. It's a place where you can Be You, and show up as you are. We're committed to fostering a people-first culture where everyone is accepted, supported, and empowered to be brilliant. You can, Grow And Progress at a pace and direction that suits you, Make A Difference for our customers and each other, and Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.

Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays). You also have the option to buy or sell up to an additional five days of annual leave. We're proud of our people-first culture. In fact, we've been recognised as a Great Place to Work for Women, a Great Place to Work for Wellbeing, and an overall Great Place to Work for over 25 years!

We're fully committed to making sure your progression is not slowed or halted by barriers related to race, gender, age, sexuality or any of the protected characteristics.

• Share in Our Future with all colleagues eligible for up to £3,600 of free shares each year after one year of service.
• Everyone receives 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays).
• You also have the option to buy or sell up to an additional five days of annual leave.
• You can view some of our other key benefits here.