• Report on financial, operational, compliance, and regulatory risks, including key risk indicators (KRIs), across the UK business & Group, for the SMT, Risk Committees, and Boards.
• Analyse, quantify, & surface risk exposure. Collaborate with CxOs, product, data teams to suggest & align on risk priorities.
• Develop detailed project plans to address core risks, including scope, timelines, budgets, resource allocation, and risk mitigation strategies. Manage project execution hands on, ensuring on-time and within-budget delivery.
• Lead key strategic risk management hands-on — defining the problem set, diagnosing challenges, identifying opportunities, and driving implementation.
• Own the UK risk register and ensure it is actively maintained, escalated, and reported to the Risk Committee and Board.
• Liaise with Group Risk functions to ensure UK-specific risks are appropriately escalated and managed within the Group risk framework.
• Support regulatory engagement as required, including FCA interactions relating to risk management.
• Own the Internal Capital Adequacy Assessment process and ensure regulatory capital headroom against FCA thresholds.
• Build and maintain strong relationships with cross-functional teams, including technology, product, compliance, risk, and finance.

As one of the first projects, set up the reconciliation framework for European markets as a key responsibility, ensuring accuracy, timeliness, and control effectiveness across European entities and partner banks.

Required Qualifications

• Minimum 5 years of risk management experience in UK financial services, with direct experience in banking, payments, e-money, or fintech strongly preferred.
• Strong data management & analytical skills. Proficiency in Python, SQL, and relevant data tools.
• Ability to build a vision and action plan, then execute it effectively and independently, rallying other leaders to the cause.
• Understanding of FCA regulatory expectations for EMIs, including SYSC, operational resilience, and outsourcing risk.
• Strong communication and stakeholder management skills, with the ability to work effectively with senior leadership.

Preferred Qualifications

• Fintech experience.
• Exposure to reconciliation processes across UK & European markets.
• Familiarity with finance, treasury, and/or data science models.
• Strong bias toward solving organizational challenges, with a genuine love of problem-solving.

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