At a Glance
- Tasks: Analyse credit applications and optimise strategies for smarter lending decisions.
- Company: Join MotoNovo Finance, a leading UK used car finance provider.
- Benefits: Enjoy hybrid working, competitive salary, and an amazing benefits package.
- Other info: Collaborative culture with plenty of opportunities for career progression.
- Why this job: Make a real impact on customer experiences and responsible growth.
- Qualifications: Curious and analytical mindset with experience in credit risk or analytics.
The predicted salary is between 35000 - 45000 £ per year.
Help shape smarter lending decisions and drive responsible growth. At MotoNovo Finance, we’re on a journey to continuously improve how we make credit decisions; balancing commercial ambition with fair, responsible outcomes for our customers. As a Credit Analyst in our Acquisition team, you’ll play a key role in shaping how we assess applications, optimise strategies, and enhance the end-to-end customer journey.
What will your day look like? This is a hands-on, insight-led role where your analysis will directly influence lending decisions and business performance. You’ll be:
- Analysing acquisition performance – analysing front-end application data, KPIs and conversion insights to identify trends and assess performance of acquisition strategies
- Optimising credit strategies – refining policies, cut-offs and decision frameworks to support profitable, responsible growth
- Improving automation – enhancing automated underwriting and reducing manual intervention through smarter use of scorecards and affordability tools
- Driving decision quality – ensuring we balance risk, customer outcomes and commercial objectives in every decision
- Collaborating across the business – working closely with modelling, underwriting, pricing and risk teams to deliver aligned, data-driven strategies
Why this role matters: Your work will directly influence how we grow our lending portfolio, helping us:
- Make fair, consistent and responsible credit decisions
- Strengthen our risk management and governance standards
- Deliver a seamless, customer-first onboarding experience
You’ll also contribute to key risk discussions, MI reporting, and strategy decisions that shape the future of our credit acquisition approach.
What we’re looking for: We’re looking for someone who is curious, analytical, and confident turning complex data into clear, actionable insight. You’ll bring:
- Experience in credit risk or analytical roles, with a strong understanding of credit scoring and decisioning
- Strong data and analytical capability (SAS, SQL, or similar tools)
- Ability to translate technical insight into clear business recommendations
- A collaborative mindset - someone who enjoys working cross-functionally to solve problems
- A passion for continuous improvement and better customer outcomes
Bonus if you have experience with data visualisation tools like Tableau.
What can you expect from us? Hybrid working policy (2 days onsite in Cardiff and 3 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) 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.
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.
Credit Analyst - Acquisition in Cardiff employer: Aldermore Bank
At MotoNovo Finance, we pride ourselves on being an exceptional employer, offering a vibrant and inclusive work culture in Cardiff that fosters collaboration and continuous improvement. With a competitive salary, extensive benefits including a generous holiday allowance and private medical insurance, and a commitment to employee growth, we empower our team members to make impactful decisions that drive responsible lending. Join us to be part of a forward-thinking organisation that values respect, diversity, and the well-being of its employees.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Analyst - Acquisition in Cardiff
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by practising common questions and scenarios related to credit analysis. Use the STAR method (Situation, Task, Action, Result) to structure your answers and showcase your analytical skills.
✨Tip Number 3
Showcase your data skills! Bring examples of how you've used tools like SQL or SAS to drive insights in previous roles. This will demonstrate your capability to optimise credit strategies effectively.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining MotoNovo Finance and being part of our journey.
We think you need these skills to ace Credit Analyst - Acquisition in Cardiff
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Analyst role. Highlight your experience in credit risk and analytical roles, and don’t forget to mention any tools like SAS or SQL that you’ve used. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about shaping smarter lending decisions and how your analytical mindset can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills:In your application, be sure to showcase your analytical capabilities. Provide examples of how you've turned complex data into actionable insights in previous roles. We’re looking for someone who can make data-driven decisions, so let us see your thought process!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application directly and ensures you don’t miss out on any important updates. Plus, it shows you’re keen to join our team!
How to prepare for a job interview at Aldermore Bank
✨Know Your Numbers
As a Credit Analyst, you'll be dealing with data all the time. Brush up on your analytical skills and be ready to discuss specific metrics or KPIs you've worked with in the past. Show them you can turn complex data into actionable insights!
✨Understand the Business
Familiarise yourself with MotoNovo Finance's approach to credit decisions and their commitment to responsible lending. Be prepared to discuss how your experience aligns with their goals of balancing commercial ambition with fair outcomes for customers.
✨Collaborate Like a Pro
This role involves working closely with various teams. Think of examples from your past where you successfully collaborated across departments. Highlight your ability to communicate technical insights clearly to non-technical stakeholders.
✨Show Your Passion for Improvement
MotoNovo values continuous improvement. Be ready to share instances where you've identified areas for enhancement in previous roles. Discuss how you’ve implemented changes that led to better customer outcomes or more efficient processes.
