A leading specialist financial services provider is seeking a Credit Risk Strategy Manager to join its growing vehicle finance team.

This is a unique opportunity to shape and optimise credit risk strategies from the ground up, in a business that values data-driven decision-making, collaboration, and innovation. Working at the intersection of credit risk, customer strategy, and product innovation, you will play a central role in shaping the vehicle finance proposition

Key Responsibilities:

• Design and implement credit risk strategies for vehicle finance customers, ensuring alignment with the organisation’s risk appetite, regulatory requirements, and commercial objectives.
• Lead the optimisation of lending decisions through advanced analytics, champion/challenger testing, and strategic modelling, with a focus on new business acquisition.
• Investigate and incorporate alternative data sources to strengthen underwriting capability and enhance customer segmentation.
• Develop and maintain a robust credit risk framework, including performance monitoring, feedback loops, and governance processes to ensure effective decision-making across the credit lifecycle.
• Collaborate cross-functionally with product, finance, and customer teams to develop propositions that balance risk, reward, and customer outcomes.
• Present clear, data-driven insights and recommendations to senior stakeholders, translating complex analysis into actionable strategy.
• Continuously monitor portfolio performance and conduct deep-dive investigations into emerging trends, risks, and opportunities.
• Support the development and implementation of credit policy changes, ensuring compliance with regulatory expectations and market best practices.
• Lead, coach, and mentor a team of credit risk analysts, fostering a high-performance culture and encouraging professional development and innovation.
• Drive strategic initiatives to enhance responsible lending practices while enabling business growth and profitability.

What You’ll Bring:

• Extensive credit risk experience in consumer lending, ideally with a focus on vehicle finance
• Strong numerical, analytical, and commercial skillset
• Ability to interpret and communicate complex data in a clear, persuasive manner to influence stakeholders
• Proven experience in leading teams and managing high-impact strategic projects
• Knowledge of current regulatory and macroeconomic trends affecting the UK credit market