The Vacancy
Step into a role where your insight shapes real credit decisions at scale.
At MotoNovo Finance, this isn’t just analysis - it’s influence. As a Senior Credit Portfolio Analyst, you’ll have direct visibility of how our lending portfolio performs, and your work will actively shape the strategies that drive growth, manage risk, and deliver fair outcomes for our customers.
What will your day look like?
This is a hands-on, insight-led role where your analysis will directly influence portfolio strategy, risk management, and business performance. You’ll be:
Analysing portfolio performance – using portfolio metrics, KPIs and trend analysis to identify patterns, risks and opportunities across the motor finance book
Optimising portfolio strategies – refining lending criteria, affordability frameworks and in-life decisioning to enhance performance and control risk
Monitoring risk and emerging trends – identifying changes in credit risk, macroeconomic conditions and asset values to inform strategy adjustments
Improving decision quality – using scorecards, affordability tools and performance data to ensure decisions balance risk, customer outcomes and commercial objectives
Enhancing automation and efficiency – supporting improvements to models, strategies and collections approaches to reduce losses and improve outcomes
Collaborating across the business – working closely with modelling, underwriting, pricing, and second line risk teams to deliver aligned, data-driven strategies
Why this role matters
Your work will directly influence how we manage and grow our lending portfolio, helping us:
Maintain strong portfolio performance and sustainable balance sheet growth
Strengthen risk management and governance across the customer lifecycle
Deliver fair, consistent and responsible outcomes for customers
You’ll also contribute to risk forums, MI reporting, and strategic decision-making that shapes our portfolio approach over time.
What we’re looking for
We’re looking for someone who is curious, analytical, and confident turning complex data into clear, actionable insight. You’ll bring:
Experience in credit risk or analytical roles, with a strong understanding of credit scoring and decisioning
Strong data and analytical capability (SAS, SQL, Python or similar tools)
Ability to translate technical insight into clear business recommendations
A collaborative mindset – someone who enjoys working cross-functionally to solve problems
A passion for continuous improvement and delivering better customer outcomes
Bonus if you have experience with data visualisation tools like Tableau or collections strategy development.
What can you expect from us?
Hybrid working policy (2 days onsite in Cardiff)
Competitive salary and a great range of core benefits including annual bonus, 10% employer contribution pension, private medical and 38 days holiday
A friendly and flexible culture, the same as how we work with our customers
A growing organisation with real opportunities to progress
A strong focus on continuous improvement, where your ideas can make an impact from day one
Still curious?
Join us and we’ll make the same promises to you as a colleague as we do to 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, including 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
Not only does MotoNovo Finance offer a competitive remuneration package, we also offer one of the best benefits packages in Wales. Inclusive of our healthcare cover, pension schemes, and our employee assistance programmes, we have also installed a staff bar, game machines, and a pool table.
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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