Credit Model Validation Manager

Location: Cardiff, London or remote within the UK; distributed working within the UK is supported, with ad hoc meetings in London.

Salary: £79,000–£93,000 plus performance-linked incentive awards.

Company

hirify.global is a UK banking and financial services product company offering personal and business accounts, savings, investments, pensions, credit cards and other financial products.

What you will do

• Lead hands-on independent validation across credit models for IFRS 9 impairment, capital, stress testing, forecasting, credit decisioning and unit economics.
• Review and challenge credit risk assessments, including impairment adequacy, ICAAP and stress testing, using independent analysis of assumptions, limitations and impacts.
• Develop a deep understanding of model usage and provide effective challenge to model developers, users and first-line credit, modelling and finance teams.
• Build reusable analytical tools and tests, improve the consistency and scalability of validation, and assess AI-assisted approaches with appropriate controls and human oversight.
• Review model performance monitoring, perform statistical analysis, replication and challenger work, and support action when models exceed risk thresholds.
• Improve the Model Risk Framework, maintain governance and validation standards, write validation reports and present findings to relevant committees.

Requirements

• Practical experience in credit model development and/or validation across a range of model types. Experience must include IFRS 9 impairment, Internal Ratings Based or other capital models, plus broader exposure to areas such as stress testing, economic response, forecasting, decision science scorecards or NPV/unit economics modelling.
• Practical understanding of model risk management, including independent validation, governance, monitoring, model change, issue management and regulatory expectations across the model lifecycle.
• Strong data, analytical and statistical skills for credit and model risk.
• Strong SQL and Python skills, including the ability to produce clear, reusable and tested code using version control, peer review and documentation.
• Ability to assess models in the context of accounting, capital, credit strategy, risk appetite and customer outcomes, distinguishing technical performance from wider model reliance risks.
• Strong written and verbal communication skills, including explaining complex problems and solutions clearly to non-experts.
• Track record of building trusting stakeholder relationships and providing effective, respectful challenge.
• Ability to improve validation methods by turning repeatable work into practical tools, guidance or processes.

Nice to have

• Experience with Tableau, Looker or similar tools.
• Experience with AI-assisted analytical or coding tools.
• Prior exposure to Google Cloud Platform, dbt, BigQuery SQL, Go or AWS; experience with all listed technologies is not expected.

Culture & Benefits

• Flexible working hours and distributed working within the UK, with occasional meetings in London.
• £1,000 annual learning budget for books, training courses and conferences.
• Home-working equipment, including a MacBook and additional support for fully remote workers.
• Performance-linked incentive awards and additional employee benefits.
• Inclusive equal-opportunity workplace focused on supporting employee growth.

Hiring process

• Up to four stages via Google Meet: recruiter call, hiring-manager call, role-specific discussion with credit modelling and model risk colleagues, and behavioural interview.
• A short case study is provided before the role-specific discussion; no written response is required, as it guides the interview conversation.
• The role may close once enough applications are received for the next stage.