Senior Specialist Credit Risk

Let us tell you more about the opportunity

At MotoNovo Finance were not just shaping the future of motor finance - were redefining how smarter fairer lending decisions are made.

Were looking for a Senior Specialist in Credit Strategy to join us on a 12 month fixed term contract at a pivotal moment where data technology and innovation are transforming how we manage risk and unlock growth.

If youre someone who thrives on turning complex data into real-world commercial impact; and enjoys getting hands-on as well as thinking strategically this could be the role for you.

What will your day look like

Youll play a key role in shaping our lending strategy; designing building and embedding advanced credit decisioning that drives both performance and customer outcomes. This isnt just about analysis. Its about influence ownership and making things happen. Day-to-day you will be;

• Designing and deploying credit strategy within our decision engine (FICO) - translating insight into real tangible rules
• Developing next-generation affordability models using open banking and internal data to improve accuracy and meet regulatory expectations
• Leading how we use credit bureau data continuously improving model performance and predictive power
• Exploring and embedding AI and machine learning helping us get ahead of portfolio risk and spot trends early
• Delivering deep-dive analysis to explain the why behind portfolio performance translating complexity into clear actionable insight for senior stakeholders
• Youll also work closely with key external partners and take ownership of how we maximise value from those relationships.

What are we looking for

Were looking for a true specialist - someone who combines technical depth with commercial awareness and the confidence to operate at a senior level.

Youll likely bring:

• Strong experience across the credit risk lifecycle with the ability to convert data into live strategy
• Advanced analytical capability (SQL Python or SAS) and a highly numerical background
• A deep understanding of motor finance and risk dynamics particularly around lending and portfolio performance
• A self-starting mindset - youre comfortable owning work end-to-end and making decisions
• The ability to communicate complex ideas simply influencing stakeholders at all levels

What can you expect from us

Were a business that starts with why - focused on improving outcomes for our customers our colleagues and the communities we serve.

Youll be joining a team that:

• Thinks ahead and invests in the future
• Works collaboratively to get the best results
• Embraces new ideas and isnt afraid to try something different

And youll have the opportunity to shape genuinely important decisions - where your work directly impacts both customer experience and business performance. We also offer;

• Hybrid working policy 3 days onsite in our central Cardiff office 2 days working from home
• And of course you will be rewarded competitively with a great range of core benefits including; annual bonus up to 10% employer contribution pension private medical with BUPA and 30 days holiday

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 screening and referencing process which includes criminal record checks

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.