Credit Manager

Are you a senior credit risk professional with a passion for balancing commercial growth and risk management Do you thrive in a leadership role where your decisions directly influence portfolio performance business strategy and customer outcomes

At MotoNovo Finance were looking for a Dealer Funding Credit Manager to lead our first-line Dealer Funding Credit team and play a pivotal role in shaping the future of our wholesale lending portfolio.

This is more than a credit management position. Youll be a trusted advisor to senior leaders a subject matter expert in Dealer Funding and a key partner to our Distribution and Risk teams as we continue to grow our portfolio responsibly. Youll lead a team of credit specialists oversee lending decisions influence risk appetite and provide strategic insight to senior forums across the business.

What youll be doing

• Leading and developing a high-performing team responsible for new lending decisions annual reviews and ongoing portfolio monitoring.
• Holding a senior lending mandate and providing guidance on complex or high-value credit decisions.
• Producing and presenting portfolio insight and risk reporting to senior stakeholders including SLT forums.
• Acting as the Dealer Funding product expert helping shape future product development and risk strategy.
• Partnering closely with Distribution to support growth opportunities while maintaining a strong risk culture.
• Working alongside second-line risk teams to ensure robust governance controls and risk management frameworks.

What were looking for

Were seeking an experienced people leader who combines strong credit judgement with commercial insight and the ability to influence at all levels. Youll bring:

• Previous experience holding a senior credit sanctioning mandate (essential).
• Strong understanding of wholesale finance dealer funding credit risk and portfolio management.
• Experience analysing financial statements and making balanced evidence-based lending decisions.
• Proven leadership experience with a track record of developing high-performing teams.
• Excellent stakeholder management skills and confidence presenting to senior audiences.
• Motor finance and Dealer Funding experience would be highly advantageous.

The type of leader who succeeds here

• A strategic thinker who can see both the detail and the bigger picture.
• A collaborative influential leader who builds trusted relationships across the business.
• Commercially minded with strong judgement and a balanced approach to risk and growth.
• Resilient adaptable and comfortable leading through change.
• Passionate about developing people and creating a culture of accountability and continuous improvement.

What you can expect from us

• Hybrid working policy (3 days onsite in Cardiff and 2 days at home)
• Competitive salary and a great range of core benefits including; annual bonus 10% employer contribution pension private medical with BUPA and 38 days holiday (inc. bank holidays)
• Youll join a business that combines entrepreneurial thinking with strong risk discipline where your expertise will directly influence strategy portfolio performance and long-term growth.

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 financial and 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.