Unsecured Capital & Impairment Manager


This role involves managing Impairment actuals reporting and analysis for the organisations unsecured products (Credit Cards, Unsecured Loans and Overdraft Accounts) whilst leading a team of senior analysts. The primary purpose of the role is ensure the production of monthly Impairment results within our governance framework and compliant with the group’s policy. This highly visible role is accountable to an extensive list of senior stakeholders and requires a high standard of technical, presentational and financial knowledge. During 2017 a significant a part of the role will involve supporting the IFRS9 and other projects.

Key Accountabilities:

• Production of monthly Unsecured Impairment results, including variance and trend analysis and business interpretation
• Oversight of impairment models and processes, and calculation of post model adjustments required
• Production of monthly, quarterly and annual statutory and regulatory reporting (IFRS7 & FSA015, and FINREP returns)
• Delivery of suite of Business review packs and deliver continuous improvements to all elements for Capital
• Support key projects – in the near-term time frame this includes significant support for the TSB IFRS9 and Migration projects.
• Support Portfolio Management and Product Finance teams on impact/trend analysis
• Day to day management and development of the Unsecured Impairment team
• Provide expert guidance to analysts within the team (e.g. design of analysis, problem solving techniques, SAS / Excel programming, MI automation)
• Contribute to the wider Capital & Impairment team through best practice sharing and collaborate to achieve success for the wider team

Job Code





45K - 65K GBP


South West

Vacancy Type


Date Added


Contact Details

Simon Hockridge

0161 237 0040