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.