At a Glance
- Tasks: Lead a dynamic team in making impactful lending decisions and shaping credit strategy.
- Company: Join MotoNovo Finance, a top player in the UK used car finance market.
- Benefits: Enjoy hybrid working, competitive salary, annual bonus, and extensive benefits package.
- Other info: Embrace a culture of respect, diversity, and continuous improvement.
- Why this job: Be a key influencer in portfolio performance and business growth while developing your leadership skills.
- Qualifications: Senior credit risk experience and strong leadership skills are essential.
The predicted salary is between 60000 - 80000 £ per year.
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 Moto Novo Finance, we're 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.
You'll 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.
You'll lead a team of credit specialists, oversee lending decisions, influence risk appetite, and provide strategic insight to senior forums across the business.
- What you'll 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 we're looking for
We're seeking an experienced people leader who combines strong credit judgement with commercial insight and the ability to influence at all levels. You'll 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)
- You'll 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 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 screening and referencing process, which includes financial and criminal record checks
The Company
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. 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 how.
In your second interview, we’ll ask you to talk through some examples where you’ve 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 how.
In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.
Our Benefits
Moto Novo Finance offers competitive remuneration packages and one of the best benefits packages in Wales.
When you choose to build your career with Moto Novo 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
- Documents
Dealer Funding Credit Manager in Cardiff employer: Aldermore Bank
Aldermore Bank is an excellent employer that champions a flexible work culture, allowing you to thrive in a hybrid environment while managing the full Reward lifecycle. With competitive reward packages, including private medical insurance and 30 days of holiday, we prioritise employee well-being and growth, making it a rewarding place to develop your career in the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Dealer Funding Credit Manager in Cardiff
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Aldermore Bank. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Dealer Funding Credit Manager in Cardiff
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Aldermore Bank.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Aldermore Bank's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Aldermore Bank
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Aldermore Bank.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Aldermore Bank will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Aldermore Bank employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
