Credit Risk Manager - Motor Finance

Credit Risk Strategy Manager – Motor Finance

Location: You must be able to commute 1 day a week to the London office.

Hybrid Working (4 days a week in the office).

A fantastic opportunity has opened up for a Credit Risk Strategy Manager to lead the design and optimisation of credit strategies for a growing Vehicle Finance product. You’ll drive performance through experimentation, data-led insight, and smart decisioning—helping shape the credit journey for customers new to our brand.

The successful candidate must come with relevant credit risk strategy/policy experience with experience in managing a team and credit risk experience in vehicle or motor finance.

Key Responsibilities:

• Define and embed a robust credit risk framework across the lending lifecycle
• Run test-and-learn experiments to evolve acquisition strategies
• Introduce and evaluate new data sources for decision-making
• Communicate insights and influence senior stakeholders
• Balance commercial goals with responsible lending and portfolio quality
• Coach and develop analysts to reach their full potential
• Use data to produce clear recommendations and shape policy
• Collaborate across teams to improve customer and business outcomes
• Support innovation and continuous improvement in credit strategy

Requirements:

• Experience in consumer credit risk—ideally in Vehicle Finance
• Strong analytical and commercial problem-solving skills
• A clear communicator with the ability to influence decisions at all levels
• A proven people manager with the ability to lead and develop a high-performing team
• Awareness of regulatory trends and macroeconomic drivers