Credit Risk Manager

Let us tell you about the opportunity

If you're a hands-on expert in customer management strategy, credit scorecards, and decisioning tools and you're ready to take the next step in your leadership journey - this role offers the perfect blend of doing, influencing and developing.

We're looking for someone who can own and evolve our credit acquisition strategy while leading a small team of skilled analysts. You'll be central to designing credit risk frameworks, optimising automated decisioning, and ensuring we maintain a robust, sustainable risk profile.

This is a fantastic opportunity for someone who wants to build, refine and deliver. You'll have meaningful ownership, real visibility, and the chance to shape the future of our acquisition strategy. And as we continue to grow, you'll have genuine opportunities to step further into leadership.

What will your day look like?

• Leading the development and execution of customer acquisition strategies that support growth while staying within risk appetite
• Guiding and shaping credit decisioning rules and scorecard performance, enabling stronger automation and smarter decisions
• Owning key credit risk metrics - bad rates, delinquency, loss rates, vintage performance and using insights to drive improvement
• Acting as a bridge between senior leaders and operational teams, ensuring alignment of credit strategy with business priorities
• Managing a small team of analysts, supporting their technical and analytical development
• Analysing credit bureau data to refine acquisition and portfolio strategies
• Leading portfolio analysis to identify emerging risks and behavioural trends
• Applying deep lifecycle credit risk expertise across acquisition, in-life management, collections and recoveries

What do we expect from you?

• Strong hands-on expertise in customer acquisition strategy, credit policy, affordability and scorecard optimisation
• Proven exposure to portfolio analytics and a solid understanding of delinquency, loss rates, EAD and other core metrics
• Practical experience using credit bureau data to shape decisioning strategies
• Comfort working with automated decisioning tools/systems
• Analytical proficiency with SQL, SAS, Python or similar
• Confident communication skills, with the ability to simplify complexity for senior stakeholders
• Experience leading or mentoring credit risk analysts within financial services (motor, consumer lending, retail credit ideal)
• A proactive mindset - driven, detail-focused, and ready to make things happen

What can you expect from us?

• A hybrid working policy, 3 days per week onsite in our central Cardiff / Reading office
• A friendly and flexible culture, the same as how we work with our customers
• A growing organisation that means there's lots of opportunities to progress
• A drive for continuous improvement, which you will be empowered to get behind from day one
• And of course, you will be rewarded competitively, with a great range of core benefits including; annual bonus, 10% employer contribution pension, private medical with BUPA and 30 days holiday

Let us tell you a bit about us

We're one of the largest lenders in the UK used car finance market. We've specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry.

We're part of the Aldermore Group, which includes Aldermore Bank plc. With our range of specialist mortgages, savings accounts and business finance solutions, we're backing more people to go for it. We thrive by saying "yes" to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose MotoNovo Finance every week to buy their next car, van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

Still curious?

Join us and we'll make the same promises to you as a colleague, as we do to each of our customers. We're committed to building a working environment that values respect, diversity, and compassion. We welcome people regardless of age, disability, gender identity, marital status, race, faith or belief, sexual orientation, socioeconomic background, and whether you're pregnant or on family leave.

Please note: we have a thorough referencing process, which includes criminal record checks

We're one of the largest lenders in the UK used car finance market. We've specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry.

We're part of the Aldermore Group, which includes Aldermore Bank plc. Aldermore offers a range of personal and business finance and savings options.