Find a job 
Featured Companies 
Featured Universities 
For Companies At a Glance
- Tasks: Shape and optimise our motor finance credit framework while driving effective growth.
- Company: Join a forward-thinking bank committed to empowering individuals in life and business.
- Benefits: Enjoy hybrid working, competitive pay, and a range of core benefits.
- Why this job: Be the expert in credit policy and make a real impact on financial decisions.
- Qualifications: Extensive experience in credit risk and strong analytical skills required.
- Other info: Flexible culture with plenty of opportunities for career progression.
The predicted salary is between 36000 - 60000 £ per year.
We’re looking for a Credit Acquisition Lead (Technical Specialist) to shape and optimise our motor finance credit framework. You’ll be the go-to expert on credit policy, decisioning rules, and analytics, helping drive compliant, effective, and profitable growth across the credit lifecycle. To act as an ambassador of the Bank’s vision to back more people to go for it in life and in business.
What will your day look like?
- Translate credit strategy and risk appetite into policies, decisioning rules, and underwriting guidance.
- Maintain and optimise credit frameworks, scorecards, rulesets, and automated/manual underwriting pathways.
- Monitor acquisition performance, analyse risks, and recommend improvements to controls, scorecards, and processes.
- Ensure all credit activities comply with FCA regulations, Consumer Duty, affordability standards, and TCF outcomes.
- Provide expert technical advice and analytical insights to underwriting, commercial teams, and senior stakeholders.
- Lead and support operational improvements, system updates, and cross-functional credit initiatives.
What do we expect from you?
Essential:
- Extensive experience in credit risk within motor finance, automotive lending, or asset finance.
- Expertise in credit policy, underwriting rules, affordability frameworks, and bureau data.
- Strong analytical skills with ability to turn data into actionable recommendations.
- Knowledge of credit decisioning systems, scoring methods, and rule engines.
- Ability to document complex policies clearly and logically.
- Understanding of FCA regulations, Consumer Duty, affordability, and conduct requirements.
- Confident communicator with ability to influence stakeholders using evidence-based reasoning.
Desirable:
- Experience with risk-based pricing or behavioural scorecards.
- Understanding of motor finance distribution channels (dealers, brokers, introducers).
- Involvement in digital decisioning, automation, or transformation projects.
- Familiarity with SAS, SQL, or analytics tools (or ability to interpret outputs).
What can you expect from us?
- A hybrid working policy, 2 days per week onsite in our Cardiff office.
- 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.
- And of course, you will be rewarded competitively, with a good range of core benefits and bonus potential.
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 that we have a thorough referencing process, which includes criminal record checks.
Credit Acquisition Lead in Cardiff employer: MotoNovo Finance
Contact Detail:
MotoNovo Finance Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Acquisition Lead in Cardiff
✨Tip Number 1
Network like a pro! Reach out to your connections in the motor finance industry and let them know you're on the lookout for opportunities. You never know who might have the inside scoop on a role that’s perfect for you.
✨Tip Number 2
Prepare for interviews by brushing up on your knowledge of credit policies and decisioning rules. Be ready to discuss how your analytical skills can drive improvements in acquisition performance – they’ll want to see your expertise in action!
✨Tip Number 3
Showcase your ability to influence stakeholders by preparing examples of past successes. Use evidence-based reasoning to demonstrate how you've made a positive impact in previous roles – this will set you apart from the competition.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets the attention it deserves. Plus, we love seeing candidates who are proactive about joining our team.
We think you need these skills to ace Credit Acquisition Lead in Cardiff
Some tips for your application 🫡
Show Your Expertise: Make sure to highlight your extensive experience in credit risk, especially within motor finance. We want to see how your background aligns with the role, so don’t hold back on showcasing your knowledge of credit policy and underwriting rules!
Be Data-Driven: Since strong analytical skills are a must, include examples of how you've turned data into actionable recommendations. We love seeing candidates who can back up their claims with evidence, so let us know how you’ve made an impact through your insights.
Keep It Clear and Concise: When documenting complex policies or frameworks, clarity is key! Use straightforward language and logical structure to make it easy for us to understand your thought process. Remember, we’re looking for someone who can communicate effectively with stakeholders.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen to join our friendly and flexible culture!
How to prepare for a job interview at MotoNovo Finance
✨Know Your Credit Frameworks
Make sure you brush up on your knowledge of credit policies, decisioning rules, and underwriting guidance. Be ready to discuss how you've previously shaped or optimised credit frameworks, as this will show your expertise in the field.
✨Showcase Your Analytical Skills
Prepare to demonstrate your ability to turn data into actionable insights. Bring examples of how you've monitored acquisition performance and recommended improvements based on your analysis. This will highlight your strong analytical skills, which are crucial for the role.
✨Understand FCA Regulations
Familiarise yourself with FCA regulations, Consumer Duty, and affordability standards. Be prepared to discuss how you've ensured compliance in past roles, as this will be a key aspect of the job and shows that you take regulatory requirements seriously.
✨Communicate Confidently
Practice articulating your thoughts clearly and confidently. You’ll need to influence stakeholders using evidence-based reasoning, so think of examples where you've successfully communicated complex policies or technical advice to non-experts.