Senior Risk Manager

Lead and maintain the organisation’s Risk Management Framework, ensuring effective identification, oversight, and management of enterprise, financial, prudential, and operational risks.

Provide independent second-line risk oversight, support regulatory risk requirements, and enable senior leadership and Board to make informed risk-based decisions.

Manage the Risk team and work closely with Finance and Compliance to ensure coordinated risk and control oversight.

• Own and continuously enhance the Risk Management Framework (RMF).
• Ensure systematic identification, assessment, monitoring and reporting of risks.
• Embed risk management practices across operational and strategic levels.
• Drive risk culture and first-line accountability.

• Maintain and evolve risk policies and supporting standards.
• Ensure risk appetite, limits and escalation processes are clear and applied consistently.
• Provide effective second-line challenge to first-line risk owners.
• Deliver proportionate and commercially aligned governance structures.
• Oversee forward-looking solvency and capital assessments.
• Ensure stress testing and scenario analysis are robust and linked to strategy.
• Provide insight on capital drivers and emerging regulatory developments.
• Support alignment between risk outputs and executive decision-making.

• Provide independent oversight of financial reporting risks and controls.
• Oversee development and effectiveness of financial control frameworks.
• Ensure alignment between finance, capital modelling and risk processes.
• Challenge key prudential and regulatory reporting outputs.
• Oversee operational risk framework including risk assessments, incidents and KRIs.
• Strengthen business resilience, third-party risk and information security oversight.
• Ensure frameworks evolve in line with regulatory and operational expectations.
• Mature risk processes within a developing or scaling environment.

• Deliver clear, forward-looking risk reporting to executive and board forums.
• Highlight emerging risks, trends and management actions.
• Ensure consistency and clarity across governance reporting cycles.

• Partner closely with Finance and Compliance to ensure coordinated oversight.
• Support Internal Audit planning and regulatory engagement where required.
• Provide oversight of technical risk areas where appropriate.

• Significant senior-level risk leadership experience within a regulated environment.
• Broad expertise across financial and non-financial risks.
• Proven track record of designing, enhancing and embedding risk frameworks.
• Experience partnering with Finance on capital, reporting and controls.
• Strong understanding of prudential, capital or solvency risk concepts.
• Exposure to operational resilience, cyber or information risk (desirable).
• Experience working in scaling, transforming or maturing environments (desirable).
• Prior operational business experience beyond risk roles (desirable).
• Degree qualified or equivalent professional experience.