Senior IFRS 9 Capital & Impairment Leader

Admiral Money; Cardiff; Hybride; GBP 90 000 - 130 000; Plein temps

Avantages offerts par ce poste

£3,600 of free shares

33 days holiday

Hybrid work arrangement

Résumé du poste

Admiral Money, a growing division within Admiral Group, seeks a Senior Capital & Impairment Manager to lead impairment analytics across unsecured personal loans, motor finance and mortgages. Hybrid role; based in Cardiff with 2 days onsite per week.

You will guide model development, forecasting and stress testing, and partner with Finance, Treasury and Credit Risk to drive robust decision-making. You will mentor analysts, elevate governance, and deliver insights on risk, capital requirements and

Qualifications

• Significant experience leading impairment, forecasting, stress testing or capital analytics activities within a regulated lending environment.
• Deep technical expertise in IFRS 9 impairment modelling and expected credit loss (ECL) methodologies.
• Strong understanding of stress testing, scenario analysis and the interaction between credit losses, capital outcomes and financial resilience.
• Experience providing oversight, challenge and thought leadership to senior stakeholders and governance forums.
• Proven track record of leading and developing high-performing analytical or modelling teams.
• Strong stakeholder management and influencing skills, with the ability to communicate complex technical concepts to both technical and non-technical audiences.
• Advanced analytical capability with strong experience using Python, SQL and Excel.

Responsabilités

• 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.

Connaissances

Impairment forecasting

IFRS 9 modelling

ECL methodologies

Stress testing

Stakeholder management

Leadership of modelling teams

Python

SQL

Excel

Outils

Python

SQL

Excel

Description du poste

Admiral Money, a growing division within Admiral Group, seeks a Senior Capital & Impairment Manager to lead impairment analytics across unsecured personal loans, motor finance and mortgages. Hybrid role; based in Cardiff with 2 days onsite per week.

You will guide model development, forecasting and stress testing, and partner with Finance, Treasury and Credit Risk to drive robust decision-making. You will mentor analysts, elevate governance, and deliver insights on risk, capital requirements and