Risk Operations Manager (Credit Team)

We’re looking for an experienced Risk Operations Manager (Credit Team) to lead our credit underwriting team, located in Lyde Green, Bristol (BS16 7LB). This role ensures credit decisions are made consistently, fairly and in line with policy, regulation and risk appetite, while delivering a strong customer experience. You’ll manage a team of underwriters handling regulated, non‑regulated and corporate lending decisions. You’ll be responsible for credit quality, decision‑making standards, service levels and team performance, while working closely with Credit Risk and Compliance to ensure policies and controls are applied effectively.

The Key responsibilities for the role are

• Lead and manage the Credit underwriting team, including performance and development
• Oversee end‑to‑end credit decisions for onboarding and ongoing reviews
• Act as the main point of contact for credit‑related escalations
• Ensure all credit decisions meet internal policy and UK regulatory requirements
• Manage workflows to deliver agreed service levels and quality standards
• Maintain clear audit trails and robust credit documentation
• Complete regular quality checks, controls and credit reviews
• Keep credit policies and procedures up to date and recommend improvements
• Drive “right first time” decision‑making and continuous improvement
• Support and deliver projects that improve credit processes and the customer journey
• Build strong working relationships across credit, risk, compliance and relationship teams

Skills & Experience

• Proven experience leading teams within credit or risk operations
• Strong communication skills, able to influence senior stakeholders
• Highly organised, with the ability to plan and prioritise in a fast‑paced environment
• Track record of delivering service, quality and productivity targets
• Strong knowledge of UK credit regulation and lending practices
• Experience assessing and managing credit risk, including complex cases
• Background in credit underwriting or a related credit risk role
• Ability to interpret financial information and complex data
• Experience improving operational efficiency while maintaining control

What we offer 

Rewards & Financial Benefits 

Competitive pension scheme, Annual salary review and bonus scheme, 

EV company car, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000), Retail discounts programme, GymFlex membership options, Cycle to Work scheme.

Health & Wellbeing 

Private Medical Insurance, Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance. 

Time Off & Work–Life Balance 

25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell, scheme, Volunteer days , Time allocated for personal development, Study support (where applicable). 

Workplace & On‑Site Facilities 

Free parking, EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events 

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!