Senior Capital and Impairment Manager
Core
Lead the strategic direction and oversight of impairment, forecasting, stress testing, and capital analytics for unsecured personal loans, motor finance, and mortgages.
Role type
Senior leadership IC financial risk manager (capital & impairment)
Builds
Robust impairment frameworks, forecasting models, stress testing scenarios, and capital resilience assessments
Domain
Regulated lending (personal loans, motor finance, mortgages)
Deliverable
production ML models
Required skills
IFRS 9 impairment modelling, expected credit loss (ECL) methodologies, stress testing, scenario analysis, Python, SQL, Excel, team leadership, stakeholder influence
Preferred skills
Funding and liquidity risk management, warehouse structures, securitisation, covenant monitoring, modern reporting tools
Responsibilities
Lead IFRS 9 impairment framework development and governance; Own impairment forecasting and insight generation; Lead stress testing and scenario analysis; Provide expert analysis on portfolio performance and capital requirements; Deliver oversight on funding and liquidity risk exposures; Lead, coach, and develop a team of analysts and modelling specialists
Seniority
Senior, hands-on IC with leadership responsibilities
