Senior Specialist - Credit Risk in Cardiff

At MotoNovo Finance, we’re not just shaping the future of motor finance - we’re redefining how smarter, fairer lending decisions are made. We’re looking for a Senior Specialist in Credit Strategy to join us on a 12 month fixed term contract at a pivotal moment, where data, technology and innovation are transforming how we manage risk and unlock growth. If you’re someone who thrives on turning complex data into real-world commercial impact; and enjoys getting hands‑on as well as thinking strategically, this could be the role for you.

What will your day look like? You’ll play a key role in shaping our lending strategy; designing, building and embedding advanced credit decisioning that drives both performance and customer outcomes. This isn’t just about analysis. It’s about influence, ownership and making things happen. Day-to-day you will be:

• Designing and deploying credit strategy within our decision engine (FICO) – translating insight into real, tangible rules
• Developing next-generation affordability models, using open banking and internal data to improve accuracy and meet regulatory expectations
• Leading how we use credit bureau data, continuously improving model performance and predictive power
• Exploring and embedding AI and machine learning, helping us get ahead of portfolio risk and spot trends early
• Delivering deep‑dive analysis to explain the ‘why’ behind portfolio performance, translating complexity into clear, actionable insight for senior stakeholders

You’ll also work closely with key external partners and take ownership of how we maximise value from those relationships.

What are we looking for? We’re looking for a true specialist - someone who combines technical depth with commercial awareness and the confidence to operate at a senior level. You’ll likely bring:

• Strong experience across the credit risk lifecycle, with the ability to convert data into live strategy
• Advanced analytical capability (SQL, Python or SAS) and a highly numerical background
• A deep understanding of motor finance and risk dynamics, particularly around lending and portfolio performance
• A self‑starting mindset – you’re comfortable owning work end‑to‑end and making decisions
• The ability to communicate complex ideas simply, influencing stakeholders at all levels

What can you expect from us? We’re a business that starts with why – focused on improving outcomes for our customers, our colleagues and the communities we serve. You’ll be joining a team that:

• Thinks ahead and invests in the future
• Works collaboratively to get the best results
• Embraces new ideas and isn’t afraid to try something different

And you’ll have the opportunity to shape genuinely important decisions – where your work directly impacts both customer experience and business performance. We also offer:

• Hybrid working policy – 3 days onsite in our central Cardiff office, 2 days working from home
• Competitive rewards, including annual bonus, up to 10% employer contribution pension, private medical with BUPA and 30 days holiday

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.