Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Develop and maintain impairment models and ECL forecasts in a collaborative team.
- Company: Join a dynamic consumer lending business focused on financial and credit risk.
- Benefits: Enjoy hybrid working, a salary up to £60,000, and generous holiday options.
- Why this job: Make a real impact on financial reporting and risk strategy while growing your career.
- Qualifications: Hands-on experience in credit risk modelling and a solid understanding of IFRS 9 required.
- Other info: Opportunities for career progression and learning in a supportive environment.
The predicted salary is between 36000 - 60000 £ per year.
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.
Senior Credit Risk Analyst employer: Job Traffic
Contact Detail:
Job Traffic Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Senior Credit Risk Analyst
✨Tip Number 1
Familiarise yourself with IFRS 9 and expected credit loss modelling. Understanding these concepts deeply will not only help you in interviews but also demonstrate your commitment to the role.
✨Tip Number 2
Network with professionals in the financial and credit risk sector. Attend industry events or webinars to connect with others who may provide insights or even referrals for the position.
✨Tip Number 3
Prepare to discuss real-world examples of impairment modelling and ECL forecasting you've worked on. Being able to articulate your hands-on experience will set you apart from other candidates.
✨Tip Number 4
Research StudySmarter and our approach to consumer lending. Understanding our values and how we operate will allow you to tailor your discussions and show that you're a great fit for our team.
We think you need these skills to ace Senior Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your hands-on experience in impairment, provisioning, or credit risk modelling. Emphasise your understanding of IFRS 9 and any relevant experience in retail lending, particularly unsecured loans or motor finance.
Craft a Compelling Cover Letter: In your cover letter, explain why you are interested in the Senior Credit Risk Analyst position. Discuss your experience with ECL forecasting and how it aligns with the company's goals. Be sure to mention your ability to communicate complex concepts clearly.
Showcase Relevant Skills: Highlight specific skills that are relevant to the role, such as stress testing, scenario analysis, and model performance analysis. Use examples from your previous work to demonstrate your expertise in these areas.
Proofread Your Application: Before submitting your application, carefully proofread all documents for spelling and grammatical errors. A polished application reflects your attention to detail, which is crucial in a role focused on financial reporting and risk strategy.
How to prepare for a job interview at Job Traffic
✨Understand IFRS 9 Inside Out
Make sure you have a solid grasp of IFRS 9 and expected credit loss modelling. Be prepared to discuss how these concepts apply to impairment modelling and provide examples from your past experience.
✨Showcase Your Analytical Skills
Be ready to demonstrate your analytical abilities, especially in running stress tests and scenario analyses. You might be asked to explain how you've approached similar tasks in previous roles.
✨Communicate Clearly
Since the role requires explaining complex concepts to both technical and non-technical audiences, practice articulating your thoughts clearly. Use simple language to describe intricate ideas during the interview.
✨Prepare for Team Collaboration Questions
As this position involves working within a collaborative team, think of examples that highlight your teamwork skills. Be ready to discuss how you've contributed to team success in past projects.
