SALAD
Head of Risk Managment
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Application deadline: 5:00 pm, Friday 31st July 2026
About Salad Finance
Salad Finance is a purpose-driven fintech providing responsible consumer lending solutions designed to improve financial wellbeing. Our approach to expanding financial inclusion has been recognised with a King’s Award for Enterprise for Innovation. As we continue to grow, we are strengthening our risk management capability and are looking for a pragmatic, practical Head of Risk Management to take ownership of our risk framework and help embed effective risk management across the business.
This role is more practical and operational than a traditional corporate Head of Risk role. We are a growing fintech, and we are looking for someone who enjoys building, improving and operating risk management processes, rather than managing large teams or navigating multiple layers of governance. If you thrive in a changing and growing environment and are motivated by delivery and practical outcomes, we would love to hear from you.
The Opportunity
As our business grows, we are separating risk management and compliance responsibilities to ensure both areas receive dedicated focus and leadership.
The Head of Risk Management will take ownership of the day-to-day operation and continued development of our risk management framework. Working closely with the Chief Risk & Compliance Officer and Conduct & Compliance Lead, you will help identify, assess, monitor and manage risks across the business while supporting sustainable growth and good customer outcomes.
This is a standalone role with no direct reports initially. You will be the primary owner of risk management activities across the business and will be comfortable working independently, influence stakeholders, and take a practical, proportionate approach to risk.
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Key Responsibilities
- Own and maintain the enterprise risk management framework.
- Lead and facilitate the Risk and Control Self-Assessment (RCSA) process across the business.
- Maintain the corporate risk register and ensure risks are appropriately assessed, monitored and reported.
- Support business owners in identifying, assessing and managing risks and controls.
- Monitor key risks, incidents, control weaknesses and emerging risks.
- Produce meaningful risk reporting for management committees, senior leadership and the Board.
- Support the development and monitoring of risk appetite metrics and key risk indicators.
- Conduct risk assessments for new products, business changes, operational processes and strategic initiatives.
- Work closely with teams across the business to embed a practical and effective risk culture.
- Support governance activities and provide risk input into decision-making processes.
- Assist with regulatory, audit and assurance activities where risk management input is required.
- Identify opportunities to improve controls and processes without introducing unnecessary complexity or bureaucracy.
What We're Looking For
Essential Experience
- Demonstrable practical experience in risk management within UK financial services.
- Good understanding of the UK consumer credit environment and associated risks.
- Proven experience designing, implementing and operating Risk and Control Self-Assessments (RCSAs).
- Experience maintaining risk registers and producing risk reporting for senior stakeholders.
- Experience operating within an FCA-regulated environment.
- Strong understanding of operational, regulatory and conduct-related risks.
- Experience working with senior stakeholders and influencing decision-making.
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Essential Qualities
- Pragmatic and commercially minded.
- Able to manage work independently and take ownership.
- Able to balance robust risk management with business realities.
- Enjoys building and improving processes in a growing organisation.
- Willing to work at both strategic and detailed operational levels.
- Solutions-focused and able to work effectively in a changing or fast-paced environment.
- Able to operate effectively in a growing organisation where processes and structures are still developing.
Desirable
- Experience within consumer lending, consumer finance or fintech businesses.
- Experience supporting Board and committee reporting.
- Knowledge of Consumer Duty and the broader UK regulatory landscape for consumer credit firms.
- Relevant professional qualification, such as IRM, ICA or equivalent, or equivalent professional experience.
Why Join Us?
This is an opportunity to shape and own the risk management function within a growing fintech business where your contribution will have a direct and visible impact.
You'll work closely with senior leadership, influence important business decisions, and help build a risk management approach that is practical, proportionate and aligned with our culture. For the right person, this role offers genuine ownership, autonomy and the opportunity to make a meaningful difference.
What We Offer
- £60,000 to £70,000 + 10% discretionary performance bonus
- 8% employer pension contribution
- Private health insurance & wellbeing support
We are an equal opportunities employer and welcome applications from all suitably qualified candidates. We are happy to discuss reasonable adjustments during the recruitment process.
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