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About the Role
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 IFRS9 Specialist 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. 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. 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.
Responsibilities
- Own the maintenance and development of IFRS models.
- Serve as a key data and analytical resource for finance and capital markets teams.
- Ensure IFRS 9 provisioning models are accurate, well-governed and aligned with the evolving portfolio.
- Support data requests, scenario analysis and strategic decisions in collaboration with credit risk, capital markets, and senior finance stakeholders.
- Translate complex financial outputs into clear, actionable insights.
Requirements
- 3+ years in financial reporting, credit risk modelling or a related finance function within financial services.
- Hands-on experience maintaining or developing IFRS 9 models, including PD, LGD and EAD components.
- Strong understanding of loss provisioning methodology and how provisions interact with P&L and balance sheet.
- Proficiency in SQL and Python for data extraction and model maintenance.
- Experience producing reporting packs and commentary for senior finance or capital markets audiences.
- Ability to work cross-functionally with risk, finance and capital markets teams.
- Experience in consumer lending or cards businesses.
- Familiarity with securitization structures, investor reporting or capital markets transactions (Desirable).
- Demonstrable use of AI in workflow (Desirable).
- Experience presenting financial analysis to investors or rating agencies (Desirable).
- Track record of improving model governance, documentation or validation processes (Desirable).
Skills
- IFRS 9
- SQL
- Python
- Financial reporting
- Credit risk modelling
- Loss provisioning methodology
- Data analysis
- Communication
- Collaboration
- Structured thinking
- AI (Desirable)
- Securitization structures (Desirable)
- Investor reporting (Desirable)
- Capital markets transactions (Desirable)
Location
- UK
Work Type
- Hybrid
- Remote
Experience Level
- 3+ years
Benefits
- Flexible working
- Health coverage
- Retirement & savings plans
- Employee referral programme
- Office meals & snacks
- Sustainable commuting schemes
About the Company
- Lendable is on a mission to build the world's best technology to help people get credit and save money.
- Building one of the world’s leading fintech companies.
- One of the UK’s newest unicorns with a team of just over 700 people.
- Among the fastest-growing tech companies in the UK.
- Profitable since 2017.
- Backed by top investors including Balderton Capital and Goldman Sachs.
- Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot).
- Rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance.
- Get money into customers’ hands in minutes instead of days.
- Expanding into the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.