Job Description
Senior Credit Risk Analyst
Impairment Modelling | Consumer Lending
Location: Cardiff (Hybrid)
Salary: Up to £60,000 + Share Scheme + Excellent Benefits
We’re searching for a Senior Credit Risk Analyst to join a growing Financial & Credit Risk team within an ambitious and well-supported consumer lending business.
This is a hands-on role focused on IFRS 9 impairment modelling and expected credit loss (ECL) forecasting across multiple product lines, including unsecured personal loans, motor finance, and mortgages. You’ll be part of a collaborative team with real influence on financial reporting, risk strategy, and business performance.
What You’ll Be Doing
- Developing and maintaining IFRS 9 impairment models and ECL forecasts
- Running stress testing and scenario analysis across product portfolios
- Analysing impairment drivers, trends, and model performance
- Ensuring strong documentation and governance of all modelling processes
What We’re Looking For
- Hands-on experience in impairment, provisioning, or credit risk modelling
- Good understanding of IFRS 9 and expected credit loss modelling
- Experience in retail lending (ideally unsecured loans or motor finance)
- Ability to explain complex concepts clearly to technical and non-technical audiences
What’s on Offer
- Salary up to £60,000
- Annual share package
- Hybrid working
- A growing team with genuine career progression & L&D support
- 6% pension contribution
- Discounts on company products
- Discounts to local shops, restaurants & events
- Life Assurance policy
- Generous holiday up to 38 with length of service + buy/sell option
If you’ve got experience in impairment or credit modelling and want a role with impact, variety, and progression — this is a fantastic opportunity to grow your career in a supportive, data-driven environment.
Apply now or get in touch to learn more.