Credit Risk Manager - Motor Finance

Marks Sattin (UK) Ltd; London; Hybrid; GBP 60,000 - 90,000; Full time

Job summary

A leading company in financial services is seeking a Credit Risk Strategy Manager to design and optimize credit strategies for a Vehicle Finance product. This hybrid role involves leading a team, leveraging data-driven insights, and collaborating across departments to enhance credit performance and customer outcomes.

Qualifications

• Experience in consumer credit risk, ideally in Vehicle Finance.
• Strong analytical and commercial problem-solving skills.
• A proven people manager with leadership experience.

Responsibilities

• Define and embed a robust credit risk framework across the lending lifecycle.
• Run test-and-learn experiments to evolve acquisition strategies.
• Coach and develop analysts to reach their full potential.

Skills

Analytical skills

Problem-solving

Communication

Leadership

Job description

Credit Risk Strategy Manager - Motor Finance

Location: You must be able to commute 1 day a week to the London office.

Hybrid Working (4 days WFH)



A fantastic opportunity has opened up for a Credit Risk Strategy Manager to lead the design and optimisation of credit strategies for a growing Vehicle Finance product. You'll drive performance through experimentation, data-led insight, and smart decisioning-helping shape the credit journey for customers new to our brand.



The successful candidate must come with relevant credit risk strategy/policy experience with experience in managing a team and credit risk experience in vehicle or motor finance.





Key Responsibilities:

• Define and embed a robust credit risk framework across the lending lifecycle
• Run test-and-learn experiments to evolve acquisition strategies
• Introduce and evaluate new data sources for decision-making
• Communicate insights and influence senior stakeholders
• Balance commercial goals with responsible lending and portfolio quality
• Coach and develop analysts to reach their full potential
• Use data to produce clear recommendations and shape policy
• Collaborate across teams to improve customer and business outcomes
• Support innovation and continuous improvement in credit strategy

Requirements:

• Experience in consumer credit risk-ideally in Vehicle Finance
• Strong analytical and commercial problem-solving skills
• A clear communicator with the ability to influence decisions at all levels
• A proven people manager with the ability to lead and develop a high-performing team
• Awareness of regulatory trends and macroeconomic drivers

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