Santander UK
HCUK Enterprise Risk & Governance Manager
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Country: United Kingdom
Background
Hyundai Capital UK Ltd is a joint venture operating under Hyundai Finance, Kia Finance, and Genesis Finance brands, offering funding solutions to retailers and consumers.
Job Purpose
Reporting into the Head of Enterprise Risk, the key focus of the Enterprise Risk & Governance Manager is to strengthen risk management, governance and commercial decision-making across the business. The individual is responsible for coordinating and enhancing key frameworks, including Fair Value Assessments (FVA) and decision governance, ensuring processes are robust, efficient and aligned with regulatory expectations. The Enterprise Risk & Governance Manager partners closely with various stakeholders, influencing outcomes through insight, oversight and structured coordination rather than direct decision-making authority. It also plays a key role in improving organisational resilience by supporting incident management, identifying control gaps and driving continuous improvement in governance and risk practices.
Key Accountabilities
Strategic & Operational Risk Management
Lead and support the FVA process, ensuring it is robust, repeatable, auditable and available for regulatory review. Provide independent Line 2 oversight and challenge over HCUK decision governance and key commercial risks, ensuring alignment to HCUK risk appetite and governance expectations. Assess, monitor and report on risk and control performance across assigned business areas (including Commercial and decision-making forums), escalating material issues and emerging risks. Maintain accurate and up-to-date registers and repositories relevant to the role (e.g., decision log / repository oversight artefacts, FVA documentation and risk and control registers where applicable). Identify, assess and test key controls and governance standards within scope, performing quality assurance reviews and thematic assurance where required. Drive a strong risk, control and governance culture through proactive engagement, challenge and support to Line 1 stakeholders. Support and deliver risk-related, conduct and governance projects, including in-year reviews triggered by product or commercial change.
Technical Knowledge
Refine and improve relevant Enterprise Risk Management (ERM) frameworks, templates, procedures, KPIs / metrics and operational processes within FVA, decision governance and Line 2 oversight. Act as a subject matter expert and point of contact on FVA process requirements, decision record standards and Line 2 oversight expectations.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Communication and Reporting
Develop and produce management information (MI), dashboards and committee documentation covering FVA outcomes, decision governance quality, commercial risk themes and key control indicators. Attend Pricing Committee and Dealer Oversight Forum (DOF) as ERM lead, representing function, ensure matters handled in line with agreed governance and raise concerns / issues as they arise. In conjunction with other members of ERM and wider Risk Department, attend Operational Risk Committee (ORC) and Conduct Risk Committee (CoRC) focused on compliance with operational controls. Support relevant governance forums by preparing packs, papers and action trackers and by ensuring decisions and outcomes are consistently recorded. Maintain effective communication with HCUK departments, internal auditors, OEM partners, SCUK teams and Hyundai Capital Services as required for coordinated oversight. Provide clear, proportionate challenge and guidance to stakeholders on governance standards, evidence requirements and remediation expectations.
Outsourced Oversight
Support oversight, control testing and performance monitoring of outsourced activities and related processes where they impact fair value, customer outcomes or material commercial/decision risks. Review KPI / SLA performance and associated risk and control evidence where required, escalating issues and tracking remediation actions.
Insight and Continuous Improvement
Contribute to effectiveness reviews of FVA, decision governance and commercial oversight activities, identifying root causes of recurring issues and control weaknesses. Recommend and support pragmatic improvements to strengthen governance, compliance, documentation quality and risk mitigation. Identify themes and trends from MI, Quality Assurance (QA) reviews, incidents and audit findings, and convert these into actionable insights for stakeholders and committees.
Risk, Conduct & Compliance
Identify risks, incidents, breaches and control weaknesses within scope, ensuring timely escalation, appropriate investigation and robust remediation tracking. Support oversight of operational and conduct risk, ensuring alignment with FCA expectations, Consumer Duty requirements and HCUK ERM approach. Ensure customer outcomes and potential harms are considered and evidenced within FVA assessments, decision records and governance submissions
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Other
Deputise for the Head of Enterprise Risk, as required. Undertake additional duties as may reasonably be requested.
Key Competencies
Planning: Able to develop operational and project level plans, with strong organisational skills. Communication: Effective written and verbal communication; able to influence and present to senior stakeholders. Teamwork: Strong collaboration and relationship-building skills. Analytical Skills: Ability to analyse data, processes, and controls. Time Management: Able to prioritise across multiple workstreams.
Required Experience And Expertise
Given the scope of this position, it is essential that the job holder has the following:
Strong understanding of conduct risk, customer outcomes and product governance Experience within automotive finance preferred but not essential Experience designing and embedding governance or assessment-based processes Proven ability to run complex cross-functional processes without a formal project structure Strong stakeholder management skills, including effective senior-level challenge Comfortable working with management information, judgement-based assessments and narrative evidence Able to produce clear, structured, audit-ready governance documentation Confident engaging with committees and senior management
Other Information
HCUK employees are currently hybrid working [mixture of home/ office]. HCUK’s head office is in Reigate, Surrey. A minimum of two office days per week is required.
The quickest way to apply for this role is by applying directly through our website: Careers | Join the Team | Hyundai Capital UK
Remuneration Package
Competitive base salary depending upon expertise, range of £60,000 - £70,000 Eligibility for annual bonus, up to 15% 30 days holiday per annum plus bank holidays, with flexible holiday options and additional leave after five years. Company pension scheme with generous employer contributions. Cash car allowance of £6,000 Company sponsored individual private medical insurance Additional family, lifestyle and health-related benefits, including death in service, income protection, discounted voluntary healthcare plans, employee car scheme, employee assistance program, and enhanced family-friendly policies. Click here for more details of our company benefits.
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills
Location