Homes England
Head of Consumer Risk
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Birmingham, West Midlands (England), B1 2AX : Bristol, South West England, BS1 6EH : Longstanton, East of England, CB24 3EN : Liverpool, North West England, L3 1BP : Leeds, Yorkshire and the Humber, LS11 9AT : Manchester, North West England, M1 6EU : Newcastle upon Tyne, North East England, NE4 5BZ
Job Summary
Closing Date: 11th August 2026
Interviews: Week commencing 24th August 2026
The Head of Consumer Risk will play a critical role in the second line management of Home Ownership products. You will be joining our small, highly skilled team, who are committed to making positive changes in how the direct customer is impacted on past and present interventions.
This is a rare chance to gain experience with a unique customer product offering that seeks to balance a return of money back to the public purse while ensuring customer fairness.
Job Description
The role will support the design and delivery of key strategic projects around Home Ownership. There are some ambitious delivery-led projects to get involved with, especially within account management, and this is an excellent opportunity to balance day-to-day delivery while bringing innovative solutions to the consumer offering.
The role will support the design and delivery of key strategic projects around Home Ownership. There are some ambitious delivery-led projects to get involved with, especially within account management, and this is an excellent opportunity to balance day-to-day delivery while bringing innovative solutions to the consumer offering.
Person specification
The day job will ensure Risk principles and adherence are followed, with significant focus on ensuring responsible stakeholders are balancing the needs and demands of the consumer. You will be comfortable supporting an operational-led banking proposition with complex consumer issues, aiming to return money back into the public purse and ensuring customer conduct remains paramount. You will be proficient in Operational risk in a financial service setting, understand the Regulatory environment, and always champion the customer across treatments and interactions.
Delivering on a mission as bold as ours isn’t always easy. You will be resilient and comfortable managing stakeholders at a senior level, and your discussions will always be shaped by a good understanding of the commercial and operational impact of what we do as a team. You will enjoy working in an innovative, fun, and engaging way and be able to negotiate and persuade.
As an experienced Risk professional, you’ll understand how to manage colleagues and be able to demonstrate you can work with others as part of a team in a collaborative, inclusive way.
Benefits
Homes England is an executive non-departmental public body with its own terms and conditions, benefits, and pension scheme. We are a government agency working in partnership with the private sector and want to employ and retain great people. In return we offer a range of excellent benefits, some of the key benefits include:
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- Holiday: Homes England offers all staff 33 days annual leave per year in addition to 8 statutory bank holidays.
- Working Flexibly: At Homes England, we have a strong culture of flexible working and encourage all employees to have a healthy work/life balance. We offer a wide range of potential working patterns, including part-time, job share, and compressed hours.
- Health and Wellbeing: We offer health screening with Nuffield Proactive Health Clinics, a free Employee Assistance Programme which offers confidential support 24 hours a day, 7 days a week, as well as access to Occupational Health.
- Professional Development: At Homes England, we are committed to your continued professional and personal development with learning as one of our core values. We pay for one job-related professional membership subscription per year for our employees.
We also offer an excellent range of family-friendly benefits, for example, maternity, paternity, shared parental leave.
Artificial intelligence
Artificial intelligence can be a useful tool to support your application, however, all examples and statements provided must be truthful, factually accurate, and taken directly from your own experience. Where plagiarism has been identified (presenting the ideas and experiences of others, or generated by artificial intelligence, as your own) applications may be withdrawn and internal candidates may be subject to disciplinary action. Please see our candidate guidance (opens in a new window) for more information on appropriate and inappropriate use.
Selection process details
Things you need to know
How to apply?
To apply please follow the links to our careers page.
Security
Successful candidates must pass a disclosure and barring security check.
Selection process details
For more information on the role, please see the attached Job Description.
Successful applicants will be advised of the outcome of their application and interviews held as soon as practical after the closing date. Feedback will only be provided if you attend an interview or assessment. We would like to take this opportunity to thank you for your interest in this role and Homes England.
Please note – Homes England has a responsibility to ensure compliance with HMG Baseline Personnel Security Standard to address the potential problems of identity fraud, illegal working, and deception generally. To ensure compliance, we will carry out a pre-employment Personal Identity and Vetting Report through Experian to meet the standard, and you will therefore be asked to provide certain information in order that the verification check can be carried out if you are successful in your application.
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Nationality Requirements
Open to UK, Commonwealth, and European Economic Area (EEA) and certain non-EEA nationals. Further information on whether you are able to apply is available here.
Working for the Civil Service
Please note this Post is NOT regulated by the Civil Service Commission.
The Civil Service embraces diversity and promotes equality of opportunity. There is a guaranteed disability confident interview scheme for candidates with disabilities who meet the minimum selection criteria.
Further information
Once this job has closed, the job advert will no longer be available. You may want to save a copy for your records.
Feedback will only be provided if you attend an interview or assessment.
Security
Successful candidates must undergo a criminal record check.
People working with government assets must complete baseline personnel security standard (opens in new window) checks.
Nationality requirements
This Job Is Broadly Open To The Following Groups
- UK nationals
- nationals of the Republic of Ireland
- nationals of Commonwealth countries who have the right to work in the UK
- nationals of the EU, Switzerland, Norway, Iceland, or Liechtenstein and family members of those nationalities with settled or pre-settled status under the European Union Settlement Scheme (EUSS) (opens in a new window)
- nationals of the EU, Switzerland, Norway, Iceland, or Liechtenstein and family members of those nationalities who have made a valid application for settled or pre-settled status under the European Union Settlement Scheme (EUSS)
- individuals with limited leave to remain or indefinite leave to remain who were eligible to apply for EUSS on or before 31 December 2020
- Turkish nationals, and certain family members of Turkish nationals, who have accrued the right to work in the Civil Service
Further information on nationality requirements (opens in a new window)
Diversity and Inclusion
The Civil Service is committed to attract, retain, and invest in talent wherever it is found. To learn more please see the Civil Service People Plan (opens in a new window) and the Civil Service Diversity and Inclusion Strategy (opens in a new window).
The Civil Service welcomes applications from people who have recently left prison or have an unspent conviction. Read more about prison leaver recruitment (opens in a new window).
Once this job has closed, the job advert will no longer be available. You may want to save a copy for your records.
Contact point for applicants
Job Contact
Name: Recruitment Team
Email: recruitmentinfo@homesengland.gov.uk
Recruitment team
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