The Vacancy
Are you a senior credit risk professional with a passion for balancing commercial growth and risk management? Do you thrive in a leadership role where your decisions directly influence portfolio performance, business strategy, and customer outcomes?
At MotoNovo Finance, we're looking for a Dealer Funding Credit Manager to lead our first-line Dealer Funding Credit team and play a pivotal role in shaping the future of our wholesale lending portfolio.
This is more than a credit management position. You'll be a trusted advisor to senior leaders, a subject matter expert in Dealer Funding, and a key partner to our Distribution and Risk teams as we continue to grow our portfolio responsibly. You'll lead a team of credit specialists, oversee lending decisions, influence risk appetite, and provide strategic insight to senior forums across the business.
What you'll be doing
Leading and developing a high-performing team responsible for new lending decisions, annual reviews, and ongoing portfolio monitoring.
Holding a senior lending mandate and providing guidance on complex or high-value credit decisions.
Producing and presenting portfolio insight and risk reporting to senior stakeholders, including SLT forums.
Acting as the Dealer Funding product expert, helping shape future product development and risk strategy.
Partnering closely with Distribution to support growth opportunities while maintaining a strong risk culture.
Working alongside second-line risk teams to ensure robust governance, controls, and risk management frameworks.
What we're looking for
We're seeking an experienced people leader who combines strong credit judgement with commercial insight and the ability to influence at all levels. You'll bring:
Previous experience holding a senior credit sanctioning mandate (essential).
Strong understanding of wholesale finance, dealer funding, credit risk, and portfolio management.
Experience analysing financial statements and making balanced, evidence-based lending decisions.
Proven leadership experience, with a track record of developing high-performing teams.
Excellent stakeholder management skills and confidence presenting to senior audiences.
Motor finance and Dealer Funding experience would be highly advantageous.
The type of leader who succeeds here
A strategic thinker who can see both the detail and the bigger picture.
A collaborative, influential leader who builds trusted relationships across the business.
Commercially minded, with strong judgement and a balanced approach to risk and growth.
Resilient, adaptable and comfortable leading through change.
Passionate about developing people and creating a culture of accountability and continuous improvement.
What you can expect from us
Hybrid working policy (3 days onsite in Cardiff and 2 days at home)
Competitive salary and a great range of core benefits including; annual bonus, 10% employer contribution pension, private medical with BUPA and 38 days holiday (inc. bank holidays)
You'll join a business that combines entrepreneurial thinking with strong risk discipline, where your expertise will directly influence strategy, portfolio performance, and long-term growth.
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 financial and criminal record checks
The Company
We're one of the largest lenders in the UK used car finance market. We’ve specialised in motor finance for over 40 years, and are recognised as one of the best car finance providers in the industry.
We’re part of the Aldermore Group, which includes Aldermore Bank plc. Aldermore offers a range of personal and business finance and savings options.
Behaviour Framework
Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.
Our behavioural framework underpins our purpose and strategic drivers, as it outlines the behaviours we need to demonstrate in order to succeed. Where our strategic drivers (Stay Ahead Propositions, Relationships That Last and Progressive Platform) outline what we need to do to succeed, our behaviours guide us in how. In your second interview, we’ll ask you to talk through some examples where you’ve demonstrated these behaviours in your previous roles.
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Our Benefits
MotoNovo Finance offers competitive remuneration packages and one of the best benefits packages in Wales. When you choose to build your career with MotoNovo Finance, we choose to invest in you.
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Click to see full list of benefits
Hybrid Working
Your Company Benefits Aviva Digital GP
Bus And Tram Benefit
Employee Assistance Programme
Eyecare Voucher & Display Screens/Desk
Set-Up
Flu Jab Vouchers
Group Income Protection
Life Assurance
Metrolink Annual Pass & Clipper Ticket
Microsoft Discounts
Private Medical Insurance
Shopping Discounts
Toothfairy
Your Workplace Pension
Benefits You Can Choose
Critical Illness
Cycle To Work
Dental Insurance
Give As You Earn
Government Tax-Free Childcare Scheme
Octopus Electric Vehicles
Save Our Planet
Season Ticket Loan
Spouse Or Partner Life Assurance
Technology
Wearable Technology
Wellbeing App
Will Writing
Documents
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