Portfolio Risk Manager

Overview

Let us tell you about the opportunity. Are you a strategic and commercially astute risk professional with a passion for leadership collaboration and driving continuous improvement? We are currently recruiting a Portfolio Risk Manager
, a pivotal first-line leadership role shaping how we manage credit risk support our dealer network and deliver sustainable growth across our Dealer Funding portfolio.

• Lead and develop a small team of Portfolio Analysts setting clear expectations, coaching for excellence and building an engaged high-performing team.
• Manage credit risk through annual dealer reviews monitoring and assessing new and renewal applications to ensure they align with risk appetite and business goals.
• Produce and interpret MI and detailed reports to inform decisions on dealer stability, stocking utilisation and portfolio performance.
• Act as product SME using your market knowledge and insight to influence product development and strategy.
• Collaborate strategically with Sales Distribution and 2
  
  LOD Risk to identify opportunities and mitigate emerging risks.
• Strengthen governance and controls embedding key RCSA actions ensuring full compliance with Group Risk frameworks Consumer Duty and all relevant legislation.
• Represent Dealer Funding at internal governance forums and senior stakeholder meetings.

• Strong understanding of the Motor Dealer Funding sector ideally with exposure to wholesale credit risk recoveries or uplifts.
• Experience of managing or holding a senior credit sanctioning mandate.
• Proven leadership and team management experience.
• Strong stakeholder management and influential communicator.
• Commercial acumen and strategic mindset.
• Demonstrable experience implementing operational controls and governance frameworks.
• Knowledge of relevant legislation including the Data Protection Act and Consumer Credit Act.

• A hybrid working policy 3 days per week onsite in our central Cardiff office.
• A friendly and flexible culture the same as how we work with our customers.
• A growing organisation that means there are lots of opportunities to progress.
• A drive for continuous improvement which you will be empowered to get behind from day one.
• And of course you will be rewarded competitively with a great range of core benefits including annual bonus, 10% employer contribution pension, private medical with BUPA and 30 days holiday.

We are one of the largest lenders in the UK used car finance market. We have specialised in motor finance for over 40 years and are recognised as one of the best car finance providers in the industry. We are part of the Aldermore Group which includes Aldermore Bank plc. We thrive by saying yes to our customers and respect the ingenuity of entrepreneurs.

We are 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 are pregnant or on family leave.

• Required Experience:
  
  Manager
• Key
  
  Skills:
  
  Project / Program Management, Project Portfolio Management, Portfolio Management, Credit Analysis, Banking, Pricing, Analysis Skills, Project Management, Financial Analysis, Budgeting, Property Management, Contracts
• Employment Type:
  
  Full-Time
• Vacancy: 1