IFRS9 Specialist

<h2>About Lendable</h2><p style="min-height:1.5em">Lendable is on a mission to build the world's best technology to help people get credit and save money.<strong> </strong>We're building one of the world’s leading fintech companies and are off to a strong start:</p><p style="min-height:1.5em"></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">One of the UK’s newest unicorns with a team of just over 700 people</p></li><li><p style="min-height:1.5em">Among the<strong> fastest-growing tech</strong> companies in the UK</p></li><li><p style="min-height:1.5em">Profitable since <strong>2017</strong></p></li><li><p style="min-height:1.5em">Backed by top investors including <strong>Balderton Capital </strong>and<strong> Goldman Sachs</strong></p></li><li><p style="min-height:1.5em"><strong>Loved by customers</strong> with the best reviews in the market (4.9 across 10,000s of reviews on <a target="_blank" rel="noopener noreferrer nofollow" href="https://uk.trustpilot.com/review/lendable.co.uk"><u>Trustpilot</u></a>)</p></li></ul><p style="min-height:1.5em"></p><p style="min-height:1.5em">So far, we’ve rebuilt the Big Three consumer finance products from scratch:<strong> loans, credit cards and car finance</strong>. We get money into our customers’ hands in minutes instead of days.</p><p style="min-height:1.5em"></p><p style="min-height:1.5em">We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks <strong>with dated systems and painful processes.</strong></p><p style="min-height:1.5em"></p><h2>Join us if you want to</h2><ol style="min-height:1.5em"><li><p style="min-height:1.5em"><strong>Take ownership </strong>across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1</p></li><li><p style="min-height:1.5em"><strong>Work in small teams of exceptional people,</strong> who are relentlessly resourceful to solve problems and find smarter solutions than the status quo</p></li><li><p style="min-height:1.5em"><strong>Build the best technology in-house</strong>, using new data sources, machine learning and AI to make machines do the heavy lifting</p></li></ol><p style="min-height:1.5em"></p><p style="min-height:1.5em"><strong>About the role</strong></p><p style="min-height:1.5em">As Lendable scales its credit cards business, the integrity and accuracy of our financial reporting has never been more important. We’re looking for a <strong>IFRS9 Specialist</strong> to own the maintenance and development of our IFRS models and serve as a key data and analytical resource for our finance and capital markets teams.<br /><br /> Reporting into the UK cards credit team, you’ll be responsible for ensuring our IFRS 9 provisioning models are accurate, well-governed and aligned with our evolving portfolio. You’ll work closely with credit risk, capital markets and senior finance stakeholders to support data requests, scenario analysis and strategic decisions.<br /><br /> This role sits at the intersection of finance, credit risk and capital markets. You’ll need a deep understanding of IFRS 9, strong technical and modelling skills, and the ability to translate complex financial outputs into clear, actionable insight for a range of stakeholders.</p><p style="min-height:1.5em"></p><p style="min-height:1.5em"><strong>What we’re looking for:</strong></p><p style="min-height:1.5em"><strong>Essential:</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">3+ years in financial reporting, credit risk modelling or a related finance function within financial services</p></li><li><p style="min-height:1.5em">Hands-on experience maintaining or developing IFRS 9 models, including PD, LGD and EAD components</p></li><li><p style="min-height:1.5em">Strong understanding of loss provisioning methodology and an understanding of how provisions interact with P&amp;L and balance sheet</p></li><li><p style="min-height:1.5em">Proficiency in SQL and Python for data extraction and model maintenance</p></li><li><p style="min-height:1.5em">Experience producing reporting packs and commentary for senior finance or capital markets audiences</p></li><li><p style="min-height:1.5em">Ability to work cross-functionally with risk, finance and capital markets teams</p></li><li><p style="min-height:1.5em">Experience in consumer lending or cards businesses<br /></p></li></ul><p style="min-height:1.5em"><strong>Desirable:</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Familiarity with securitization structures, investor reporting or capital markets transactions</p></li><li><p style="min-height:1.5em">Demonstrable use of AI in your workflow</p></li><li><p style="min-height:1.5em">Experience presenting financial analysis to investors or rating agencies</p></li><li><p style="min-height:1.5em">Track record of improving model governance, documentation or validation processes<br /></p></li></ul><p style="min-height:1.5em"><strong>You’re a good fit if you’re:</strong></p><ul style="min-height:1.5em"><li><p style="min-height:1.5em">Detail-oriented and rigorous. You take pride in model accuracy, data quality and clean governance</p></li><li><p style="min-height:1.5em">A clear communicator who can translate technical modelling outputs into plain language for finance and capital markets audiences</p></li><li><p style="min-height:1.5em">Comfortable owning processes end-to-end, from data extraction through to stakeholder-ready outputs</p></li><li><p style="min-height:1.5em">Curious and proactive, you seek out inconsistencies and improve processes before problems arise</p></li><li><p style="min-height:1.5em">Collaborative and comfortable navigating ambiguity in a fast-moving environment</p></li><li><p style="min-height:1.5em">A structured thinker who can manage multiple priorities and deadlines simultaneously</p></li><li><p style="min-height:1.5em">Passionate about using data and technology to improve financial decision-making</p></li></ul><p style="min-height:1.5em"></p><h2>Life at Lendable</h2><ul style="min-height:1.5em"><li><p style="min-height:1.5em"><strong>Winning team: </strong>the opportunity to scale up one of the world’s most successful fintech companies</p></li><li><p style="min-height:1.5em"><strong>Flexible working: </strong>flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites</p></li><li><p style="min-height:1.5em"><strong>Socials &amp; connection: </strong>opportunities and events to come together, socialise, and get to know each other beyond the office walls</p></li><li><p style="min-height:1.5em"><strong>Health coverage:</strong> support for your physical and mental wellbeing, including private health cover</p></li><li><p style="min-height:1.5em"><strong>Retirement &amp; savings:</strong> long-term financial wellbeing through retirement savings plans</p></li><li><p style="min-height:1.5em"><strong>Employee referral programme:</strong> earn a competitive bonus when you refer successful new team members</p></li><li><p style="min-height:1.5em"><strong>Office meals &amp; snacks:</strong> enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations</p></li><li><p style="min-height:1.5em"><strong>Sustainable commuting:</strong> cycle-to-work and electric vehicle salary sacrifice schemes available in select locations</p></li></ul><p style="min-height:1.5em"><em><strong>Please note:</strong> The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.</em></p><p style="min-height:1.5em">Check out our <a target="_blank" rel="noopener noreferrer nofollow" href="https://blog.lendable.co.uk/"><u>blog</u></a>!</p><p>Find more <a href="https://www.arbeitnow.co.uk/english-speaking-jobs">English Speaking Jobs in United Kingdom</a> on Arbeitnow</a>