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.