mcl finance
Head of Risk Management
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Head of Risk Management
Location London, with oversight of international operating locations
Reports to Chief Financial Officer
Key stakeholders Executive Committee, Finance, Operations, Partnerships, Credit, Technology
About the Role
We're looking for a Head of Risk and Regulation to own and evolve our enterprise risk management framework across all jurisdictions in which we operate. You’ll ensure risks are identified, assessed, managed, and reported effectively, aligning with our strategy, risk appetite, and regulatory obligations. This is a hands-on role: expect to manage day-to-day mechanics of the risk function as much as challenge the Executive Committee on strategic risk decisions.
Responsibilities
Framework & Governance
- Own and maintain the enterprise risk management framework, including policies, standards, and procedures.
- Manage relationships with our risk management software provider.
- Define and embed risk governance structures, including the Risk Committee and risk ownership model.
- Support the Executive Committee in setting and maintaining the company’s risk appetite.
Risk Identification, Assessment & Monitoring
- Lead ongoing identification and assessment of risk across all business units and jurisdictions.
- Own the central risk register, ensuring consistent risk scoring, control assessment, and documentation.
- Establish key risk indicators (KRIs) and reporting dashboards for informed, risk-based decision-making.
- Monitor, report, and escalate material risks appropriately.
Risk Oversight
- Provide constructive challenge across strategic, credit, operational, regulatory and compliance, financial, technology and cyber, reputational, people, and legal risk.
International & Regulatory Risk
- Identify and manage risks arising from global operations, including regulatory divergence and cross-border issues.
- Support local teams in understanding and complying with regulatory frameworks.
- Oversee day-to-day regulatory risk management across all regions, including licensing, financial crime, conflicts of interest, and data protection.
- Lead the company’s response to regulatory breaches or near-misses, including internal and external communications.
- Advise the Senior Leadership Team on regulatory matters relevant to company strategy.
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Controls, Incidents & Continuous Improvement
- Support functional and risk owners in identifying and closing control gaps and weaknesses.
- Drive remediation of control weaknesses and risk events.
- Oversee escalation and resolution of risk incidents, ensuring root cause analysis and lessons learned are embedded.
- Promote a culture of proactive risk management across the organisation.
Reporting & Stakeholder Management
- Produce regular risk reports and insights for senior management and the Board.
- Support decision-making via robust risk analysis and scenario assessment.
- Serve as a trusted advisor to senior leadership on risk matters, engaging with regulators, lenders, and investors as needed.
- Build, lead, and develop the risk function as the company scales.
Qualifications
- 5+ years in risk management within financial services, lending, or a similar sector.
- Experience in regulated or partially regulated environments.
- Experience working across multiple jurisdictions and regulatory frameworks.
- Working knowledge of SME lending products and associated risks.
Required Skills
- Designed or embedded a risk management framework (policies, standards, risk appetite, governance structure).
- Built or managed a credit risk function—portfolios, underwriting standards, or credit risk reporting.
- Identified and remediated operational risk and control weaknesses, including framework design.
- Navigated relevant regulatory requirements (e.g., AML/CTF compliance, data protection, licensing applications).
- Institutes of Risk Management award/certificate (or equivalent, preferred but not essential).
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Preferred Skills
- Shaped business strategy, balancing commercial trade-offs with risk considerations.
- Diagnosed root-cause of complex problems through data/analysis, proposing actionable fixes.
- Influenced senior leadership or Executive Committee on high-stakes, contentious issues.
- Explained technical risk to non-risk audiences (Board/commercial teams), changing their approach.
Who We Are
At mcl, we help SMEs access efficient, transparent capital for growth.
Since 2018, we’ve supported over 2,000 businesses across the UK and UAE. We redefine finance to be faster, simpler, and human—removing bureaucracy so business owners thrive.
Our Mission
Reshape SME finance and level the playing field through fast, fair, and flexible funding.
G.E.M.S. Values
- Growth – Cast aside limits; empower personal, team, and scalable progress.
- Enthusiasm – Cultivate authentic energy and urgency.
- Maintaining Accountability – Own up, fix, and align actions.
- Seeing Strategically – Partner to make long-term, smarter moves.
Equal Opportunity Statement We champion diversity and inclusivity in hiring practices, fostering an equitable culture.
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