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Affordability Lead

admiralgroup.co.uk Logo

Admiral Group Plc

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Location:
United Kingdom , Cardiff

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Category:
Finance

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Contract Type:
Not provided

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Salary:

Not provided
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Job Description:

A vacancy has arisen within Admiral Money for an Affordability Lead within the Credit Risk team. The Affordability Lead is responsible for developing, owning, and optimising the organisation’s affordability strategies and frameworks across unsecured loans, car finance, and homeowner loan products. The role ensures that affordability assessments are accurate, fair, compliant, and aligned with regulatory expectations while supporting responsible growth and delivering good customer outcomes.

Job Responsibility:

  • Managing the affordability strategy for all Admiral Money products (UPL, Car Finance & Homeowner Loans)
  • Understanding and optimising the income verification process by balancing risk and automation
  • Monitoring customer outcomes and arrears performance and continually looking for areas of improvement
  • Ensuring data is utilised in an optimal way to benefit customer and broker journeys
  • Reviewing the underwriting strategy and constantly looking for areas of improvement
  • Exploring new products and data services that would improve the affordability accuracy and automation capabilities
  • Monitor economic developments to ensure we’re considering potential impacts to our customers
  • Ensure all affordability frameworks meet FCA requirements, Consumer Duty obligations, creditworthiness rules, and product-specific regulations
  • Provide expertise in regulatory reviews and audits

Requirements:

  • At least three years’ experience within a credit risk environment (or similar)
  • Experience working on an affordability strategy in a lending business
  • Proficiency in extracting and analysing data (e.g., SQL, Python, etc.)
  • Attention to detail with an analytical and problem‑solving mindset
  • Confidence to challenge existing work practices to support continuous improvement
  • Excellent communication skills and ability to influence at all levels
  • A strong focus on quality, receptive to feedback and effective at giving feedback
  • Experience writing proposals and strategy documents

Nice to have:

  • Exposure to developing or optimising income verification processes
  • Experience monitoring customer outcomes and arrears performance
  • Understanding of underwriting strategy and areas for optimisation
  • Experience exploring new data sources or products to improve affordability accuracy and automation
  • Familiarity with economic trend analysis and assessing customer impact
  • Knowledge of FCA requirements, Consumer Duty, creditworthiness rules and other lending‑specific regulation
  • Experience supporting or participating in regulatory reviews or audits
What we offer:
  • Eligible for up to £3,600 of free shares each year after one year of service
  • 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)
  • Option to buy or sell up to an additional five days of annual leave
  • Financial & Mortgage Advice
  • 24-Hour Ecare
  • Cycle to Work Scheme
  • Flexible Working
  • Simply Health
  • Private Health Cover
  • Critical Illness Cover

Additional Information:

Job Posted:
March 20, 2026

Employment Type:
Fulltime
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