Credit Risk Manager

Job Description:

About the opportunity:

We are the internal recruitment partner for our client, a UK-based financial services provider that offers interest-free payment solutions, primarily within the automotive sector.

As the business continues to grow we are looking for a Credit Risk and Fraud Manager to join their team. In this role, you'll play a central role in monitoring, analysing and tackling potential credit risk, fraud, and due diligence activity across the business.

This isn't just about box-ticking - it's about protecting the business, our partners, and our customers, while shaping smarter processes and controls that keep us one step ahead.

Responsibilities:

• Owning and developing decision engine rules, products, and features.
• Assessing and analysing credit risk data, ensuring policies and regulations are met.
• Monitoring client credit profiles and managing risk across onboarding and ongoing checks.
• Investigating and preventing fraudulent activity, putting controls in place to minimise exposure.
• Analysing data, spotting trends, and reporting emerging risks to senior leadership.
• Working closely with teams across the business - from sales to operations - to make sure risk is managed effectively at every stage.
• Helping shape processes, policies, and compliance standards as this function grows.

The successful candidate will be able to demonstrate the following:

• Experience in credit risk management, fraud prevention, or a related area.
• Strong analytical skills, detail-driven, and confident working with data.
• Someone proactive and self-motivated, who thrives in a fast-paced environment.
• A clear communicator who can explain complex credit and fraud issues to customers, partners, and colleagues alike.
• A natural problem-solver with high integrity and the ability to balance commerciality with compliance

In return we are offering:

• A competitive basic salary between £50,000 and £60,000  
• 25 days annual leave plus bank holidays.
• An opportunity to get on board with a dynamic business reshaping the future of automotive finance
• High autonomy and trust to shape your region
• Supportive and agile team culture where innovation is valued.

Why join us?

This is your chance to step into a newly created role, reporting directly to the COO, where you'll have real ownership from day one. You'll be part of shaping how Operational Risk works across the business - with plenty of opportunity to grow as the department grows.