Portfolio Risk Manager
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Job Location:
Yearly Salary:
Posted on:
07-11-2025
Vacancies:
1 Vacancy
Job Summary
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 Were 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. Youll manage our first line Credit Risk team overseeing dealer funding reviews in-life portfolio management and supporting the origination of new facilities. Youll 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
- Youll 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
Were seeking someone who combines technical expertise with strong leadership capability and long-term terms of candidate profile were 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 theres 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
Were one of the largest lenders in the UK used car finance market. Weve specialised in motor finance for over 40 years and are recognised as one of the best car finance providers in the industry.
Were part of the Aldermore Group which includes Aldermore Bank plc. With our range of specialist mortgages savings accounts and business finance solutions were 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 well make the same promises to you as a colleague as we do to each of our customers. Were 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 youre pregnant or on family leave.
Please note: we have a thorough referencing process which includes criminal record checks
The Company
Were one of the largest lenders in the UK used car finance market. Weve specialised in motor finance for over 40 years and are recognised as one of the best car finance providers in the industry.
Were part of the Aldermore Group which includes Aldermore Bank plc. Aldermore offers a range of personal and business finance and savings options.
Behaviour Framework
Our behavioural framework underpins our purpose and strategic drivers as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions Relationships That Last and Progressive Platform) outline what we need to do to succeed our behaviours guide us in your second interview well ask you to talk through some examples where youve demonstrated these behaviours in your previous roles.
Our behavioural framework underpins our purpose and strategic drivers as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions Relationships That Last and Progressive Platform) outline what we need to do to succeed our behaviours guide us in your second interview well ask you to talk through some examples where youve demonstrated these behaviours in your previous roles.
Our Benefits
Not only does MotoNovo Finance offer a competitive remuneration package we also offer one of the best benefits packages in Wales. Inclusive of our healthcare cover pension schemes and our employee assistance programmes we have also installed a staff bar game machines and a pool table.
When you choose to build your career with MotoNovo Finance we choose to invest in you.
- Hybrid Working
- Your Company Benefits Aviva Digital GP
- Bus And Tram Benefit
- Employee Assistance Programme
- Eyecare Voucher & Display Screens/Desk
- Set-Up
- Flu Jab Vouchers
- Group Income Protection
- Life Assurance
- Metrolink Annual Pass & Clipper Ticket
- Microsoft Discounts
- Private Medical Insurance Shopping Discounts
- Toothfairy
- Your Workplace Pension
- Benefits You Can Choose
- Critical Illness
- Cycle To Work
- Dental Insurance
- Give As You Earn
- Government Tax-Free Childcare Scheme
- Octopus Electric Vehicles
- Save Our Planet
- Season Ticket Loan
- Spouse Or Partner Life Assurance
- Technology
- Wearable Technology
- Wellbeing App
- Will Writing
Testimonials
Cheryl Knight Collections Project Specialist
Jade Burnell Recruitment Consultant
Jordan Cooper Remote Account Team Manager
Documents
Required Experience:
Manager
Key Skills
- Project / Program Management
- Project Portfolio Management
- Portfolio Management
- Credit Analysis
- Banking
- Pricing
- Analysis Skills
- Project Management
- Financial Analysis
- Budgeting
- Property Management
- Contracts
About Company
Aldermore is an award winning bank with a range of specialist mortgages, savings accounts and business finance solutions. We champion equality by supporting the exceptions to the rule and getting finance to where it’s needed.
