Risk Operations Manager (Credit Team)

At Ayvens, progress starts with you. Our ambitions to shape the future of sustainable mobility are powered by our talent. Join us, and get better with every move.

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.

The Key responsibilities for the role are:

• 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 (£1,000), 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!

Why Ayvens? With over 3.4 million vehicles managed across more than 42 countries, we provide full-service leasing, flexible subscription services, fleet management services and multi-mobility solutions to customers of all sizes, including large corporates, SMEs, professionals, and private individuals. By leveraging our unique position to lead the way to net zero and further shape the digital transformation of the industry, we are well-positioned to meet the evolving mobility needs of our clients and provide them with the solutions they need to thrive.

At Ayvens, we believe that our success is driven by our commitment to customer satisfaction. Our team is dedicated to delivering innovative solutions and technology-enabled services that help our customers focus on their everyday business. We’re committed to sustainable mobility and have made it a core part of our strategy. In everything we do, we’re guided by the principles of authenticity, curiosity, commitment and collaboration. We aim to foster an organisation that's diverse in people and ideas, where everyone can thrive and be themselves, no matter who they are.

Join us on this exciting journey as we continue to enable the transformation towards large scale adoption of sustainable mobility and provide our customers with the solutions they need to succeed.