Portfolio Risk Manager

Let Us Tell You About The Opportunity
Are you a strategic and commercially astute risk professional with a passion for leadership, collaboration, and driving continuous improvement? We're currently recruiting a
Portfolio Risk Manager
, a pivotal first-line leadership role shaping how we manage credit risk, support our dealer network, and deliver sustainable growth across our Dealer Funding portfolio.

This is an opportunity to lead from the front - combining your credit risk expertise with your ability to inspire and influence others. You'll manage our first line Credit Risk team, overseeing dealer funding reviews, in-life portfolio management and supporting the origination of new facilities. You'll play a key part in ensuring the Dealer Funding credit risk profile remains robust, resilient and aligned with business strategy.

What will your day look like?

• You'll lead and develop a small team of Portfolio Analysts, setting clear expectations, coaching for excellence, and building an engaged, high-performing team.
• Manage credit risk through annual dealer reviews, monitoring, and assessing new and renewal applications to ensure they align with risk appetite and business goals.
• Produce and interpret MI and detailed reports to inform decisions on dealer stability, stocking utilisation and portfolio performance.
• Act as product SME, using your market knowledge and insight to influence product development and strategy.
• Collaborate strategically with Sales, Distribution and 2LOD Risk to identify opportunities and mitigate emerging risks.
• Strengthen governance and controls, embedding key RCSA actions, ensuring full compliance with Group Risk frameworks, Consumer Duty and all relevant legislation.
• Represent Dealer Funding at internal governance forums and senior stakeholder meetings.

What do we expect from you?
We're seeking someone who combines technical expertise with strong leadership capability and long-term potential. In terms of candidate profile we're looking for someone with;

• Strong understanding of the Motor Dealer Funding sector, ideally with exposure to wholesale credit risk, recoveries or uplifts.
• Experience of managing or holding a senior credit sanctioning mandate.
• Proven leadership and team management experience.
• Strong stakeholder management and influential communicator
• Commercial acumen and strategic mindset
• Demonstrable experience implementing operational controls and governance frameworks.
• Knowledge of relevant legislation including the Data Protection Act and Consumer Credit Act.

What can you expect from us?

• A hybrid working policy, 3 days per week onsite in our central Cardiff 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