Head of Acquisition in Cardiff

Let Us Tell You More About The Opportunity. We have a rare opportunity for a commercially-minded leader to take on a newly created, strategically pivotal role that will directly shape the future of MotoNovo Finance. As our Head of Acquisition, you’ll own the enterprise-wide credit strategy that powers all our motor finance originations. In conjunction with influencing day-to-day lending decisions, you will also play a critical role in shaping the long-term direction, growth, and sustainability of the entire portfolio. If you want to lead transformation, build high-performing teams, and balance commercial ambition with fair customer outcomes, this is the role for you.

What will your day look like? As Head of Acquisition, you will oversee credit strategy, policy, underwriting and analytics across our motor finance originations. Your priorities will include:

• Setting the vision for a best-in-class acquisition credit lifecycle
• Shaping commercial and strategic decisions at Motor SLT, Executive and Board level
• Driving responsible, profitable growth through intelligent, data-driven decisioning
• Strengthening our customer outcomes and risk culture, ensuring fairness is built into every decision
• Lead transformation, including automation, digitisation, and enhanced decisioning capability
• Inspiring and influencing multidisciplinary teams

What do we expect from you?

• Comprehensive background in credit risk; ideally within Motor or Asset finance
• Proven background in leading credit acquisition, policy design, underwriting or credit analytics
• Commercially minded and strategic, with the ability to balance risk appetite and growth
• Customer-centric, ensuring fairness and affordability underpin decisions
• Data-driven, analytical and comfortable navigating complexity
• Transformational, with experience modernising processes or digitalising decisioning
• People-focused, able to lead, inspire and develop high-performing teams
• Experience with risk-based pricing, behavioural scorecards, or digital decisioning platforms is desirable

What can you expect from us?

• Hybrid working policy – 3 days onsite, 2 days working from home
• 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 great range of core benefits including; annual bonus, up to 10% employer contribution pension, private medical with BUPA and 30 days holiday

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 criminal record checks. Closing Date: 19th February 2026 - we may close the advert sooner, so would encourage you to apply at your earliest convenience.