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- Tasks: Lead a dynamic credit underwriting team and ensure fair credit decisions.
- Company: Join Ayvens, a diverse and inclusive workplace in Bristol.
- Benefits: Enjoy competitive salary, bonuses, and extensive health benefits.
- Other info: Flexible work-life balance with 25 days leave and personal development support.
- Why this job: Make a real impact on customer experiences while driving credit excellence.
- Qualifications: Proven leadership in credit operations and strong communication skills.
The predicted salary is between 50000 - 60000 ÂŁ per year.
We’re looking for an experienced Risk Operations Manager (Credit Team) to lead our credit underwriting team, located in Lyde Green, Bristol (BS16 7LB). This role ensures credit decisions are made consistently, fairly and in line with policy, regulation and risk appetite, while delivering a strong customer experience. You’ll manage a team of underwriters handling regulated, non‑regulated and corporate lending decisions. You’ll be responsible for credit quality, decision‑making standards, service levels and team performance, while working closely with Credit Risk and Compliance to ensure policies and controls are applied effectively.
Responsibilities
- Lead and manage the Credit underwriting team, including performance and development
- Oversee end‑to‑end credit decisions for onboarding and ongoing reviews
- Act as the main point of contact for credit‑related escalations
- Ensure all credit decisions meet internal policy and UK regulatory requirements
- Manage workflows to deliver agreed service levels and quality standards
- Maintain clear audit trails and robust credit documentation
- Complete regular quality checks, controls and credit reviews
- Keep credit policies and procedures up to date and recommend improvements
- Drive “right first time” decision‑making and continuous improvement
- Support and deliver projects that improve credit processes and the customer journey
- Build strong working relationships across credit, risk, compliance and relationship teams
Skills & Experience
- Proven experience leading teams within credit or risk operations
- Strong communication skills, able to influence senior stakeholders
- Highly organised, with the ability to plan and prioritise in a fast‑paced environment
- Track record of delivering service, quality and productivity targets
- Strong knowledge of UK credit regulation and lending practices
- Experience assessing and managing credit risk, including complex cases
- Background in credit underwriting or a related credit risk role
- Ability to interpret financial information and complex data
- Experience improving operational efficiency while maintaining control
What we offer
Rewards & Financial Benefits
- Competitive pension scheme
- Annual salary review and bonus scheme
- EV company car
- Give As You Earn (GAYE) scheme
- Employee referral scheme (ÂŁ1,000)
- Retail discounts programme
- GymFlex membership options
- Cycle to Work scheme
Health & Wellbeing
- Private Medical Insurance
- Life Assurance
- Health assessment options
- Travel insurance
- Dental insurance
- Critical illness cover
- Personal accident insurance
Time Off & Work‑Life Balance
- 25 days’ annual leave + an additional Celebration Day
- 37.5 hour week, Monday to Friday, no weekends
- Holiday buy & sell scheme
- Volunteer days
- Time allocated for personal development
- Study support (where applicable)
Workplace & On‑Site Facilities
- Free parking
- EV charging points
- Bike storage & shower facilities
- Complimentary breakfast
- Staff and social events
Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless!
Risk Operations Manager (Credit Team) in Bristol employer: Ayvens
Contact Detail:
Ayvens Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk Operations Manager (Credit Team) in Bristol
✨Tip Number 1
Network like a pro! Reach out to folks in the industry, especially those already working at Ayvens. A friendly chat can give you insider info and maybe even a referral!
✨Tip Number 2
Prepare for the interview by knowing your stuff! Brush up on UK credit regulations and lending practices. Show us you’re not just a fit for the role but also passionate about it.
✨Tip Number 3
Practice makes perfect! Do mock interviews with friends or family. Get comfortable talking about your experience leading teams and managing credit decisions.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who take that extra step!
We think you need these skills to ace Risk Operations Manager (Credit Team) in Bristol
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Risk Operations Manager role. Highlight your experience in credit underwriting and team management, and don’t forget to sprinkle in some examples of how you’ve improved processes or met targets.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to tell us why you’re passionate about credit operations and how your skills align with our needs. Be sure to mention any relevant experience with UK credit regulations.
Showcase Your Achievements: When filling out your application, don’t just list your responsibilities. Instead, showcase your achievements! Use numbers and specific examples to demonstrate how you’ve led teams and improved service levels in previous roles.
Apply Through Our Website: We encourage you to apply through our website for the best experience. It’s super easy, and you’ll be able to keep track of your application status. Plus, we love seeing applications come directly from our site!
How to prepare for a job interview at Ayvens
✨Know Your Stuff
Make sure you brush up on UK credit regulations and lending practices. Familiarise yourself with the company's policies and how they align with regulatory requirements. This will show that you're not just a fit for the role, but also genuinely interested in their operations.
✨Showcase Your Leadership Skills
As a Risk Operations Manager, you'll be leading a team. Prepare examples of how you've successfully managed teams in the past, focusing on performance development and achieving service levels. Highlight your ability to influence stakeholders and drive decision-making standards.
✨Prepare for Scenario Questions
Expect questions about handling complex credit cases or escalations. Think of specific situations where you improved operational efficiency or maintained control while delivering quality. Use the STAR method (Situation, Task, Action, Result) to structure your answers.
✨Build Relationships
Emphasise your experience in building strong working relationships across different teams. Be ready to discuss how you’ve collaborated with credit, risk, compliance, and relationship teams to enhance customer experiences and improve processes.