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Together - First Line Risk Manager Fixed Term Contract (18 months)
About the Department We’re Together – a mortgage and secured lending specialist with £7.8 billion on our balance sheet. Based in Cheadle, Cheshire, our team empowers colleagues to drive operational risk excellence from UK-wide mortgage and lending support, all underpinned by a three lines of defence model and a tech transformation agenda.
About the Role Are you a risk management professional eager to deliver tangible, organisation-impacting risk support? We’re seeking an ambitious and collaborative First Line Risk Manager to partner directly with business operations—balancing regulatory compliance, business transformation, and governance challenges at a pivotal moment in Together’s technological evolution.
As a key member of our First Line Risk Team, you’ll need a blend of advisory, analytical, and championing skills, bridging controlled environments with entrepreneurial pace. This role is ideal if you thrive in a role that shifts between:
- Strategic oversight of regulated (mortgage) and non-regulated risk management
- Business partnership with senior leaders
- Controlling incident/change performance tied to the Three Lines of Defense
Key focus areas:
- Assurance and Control: Steer regulatory/conduct risk frameworks (FCA standards) to maturity, while flagging risks leisurely business change aspects (e.g., tech transformation).
- Reporting Insight: Create and distribute decisive risk data, ensuring boards align on risk exposures.
- Transformation Driver: Embed risk into business design – proposing control layers, KRIs, and risk frameworks.
Key Responsibilities -Working within the First Line Risk Team, -you’ll apply effective risk thinking across:
- Support, mentor RCSAs (Root Cause Analysis) and high-severity incidents, with a focus on learning-driven continuous improvement.
- Strategically apply Together’s Group ERMF toolkit, directing a risk management maturity overhaul, translating sprawling ‘data silos’ into streamlined risk oversight.
- Post-risk exposure alerts.
- Root-cause analysis that fuels early-warning control recommendations to leaders.
- Develop a suite of KRIs, support escalation pathways, and influence business decisions using rigorous risk data — especially critical in a high-change environment like ours.
- Conduct periodic risk maturity appraisals and form foundations for Together’s assurance plans.
- Advocate risk awareness in everyday business practices—think from mortgage underwriting to lending tech integration—serving as both advisor and challenge.
---As a trusted business partner,
- This is not a ‘checksheet’-thinking role: your ability to pioneer change while proactively charting a ‘assessment → reaction → mitigation’ path keeps Together compliant while enabling growth.
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Core Responsibilities To apply your skills with impact, you’ll:
✅ Design & reinforce regulatory/conduct control fixes, ensuring together’s lending policies stand firm up against FCA or IFPR regimes.
✅ Build and scrutinise risk reports for all business heads (HODs), coupling them with collaboration friendliness and risk grand strategy insight.
✅ Drive collaboration between First Line Finance, Compliance & IT teams to safeguard risks and Reduce costly remedial actions.
✅ Produce risk analytics/evidence to support transformation and risk treaties.
Required Skills & Experience A credit choice candidate must demonstrate an aptitude for:
🔹 First Line Risk Experience—pronounced excellence in Core Alter (meaning governance criticism) or in-risk assistance for financial services teams.
🔹 Strong Regulatory Backbone: Thorough knowledge of mortgage/loans regulations, ability to triangulate business needs against UKв°C risks (e.g. CCAR, FOS complaints).
🔹 Operational Systems User & Striver:
- Configured risk risk management systems (ERM/ERMF)-type toolkits to assess exposures.
- Shape operational controls — guiding teams through Transformation artworks.
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🔹 FCA Cultural Turf Proficiency:
- Dealing with applications/case file alternative applications while making sure governance pointers are crystal-clear.
- Understanding the responsibilities and intersection of a Three Lines of Defense (3LOD) model.
🔹 Change Champion:
- Driving risk nuances into projects so transformative change won’t comingle risk.
`-Gowering excluded portfolios
🔹 Assurance+Holddown Potentials:
- Executes against risk maturity surveys or quantifying operational gaps.
- Redesign KRIs/KRAs for how they truly reflect risk.
This isn’t for you if: You envision risk management as reactive alert-fixing role in a mature, ‘static lineage’ tech context. (We’re building remarkable ones, fresh futures!)
Employer Benefits You’re not just joining Together; you get: → A hybrid flexible work flexible structure—ample leave + 26+ (Hol./Birthday/Bank)HHAs) → Pension, Wellness & Discounts: + Match, Health cash + Med insurance + £15K LTD Critical surety. → Lifestyle Anchors: Ride-to-Work scheme, TKローンサービス特典(日常乗り物利用PoA) → More: Holiday homes access, Gym discounts, Rather-than emcompassing.
Benefits with Every Second Job Camping & Active Recreations/Company Bar Product Rider Discounts
Extras
- No woes concerning daily obligations: We are proactive in assessing reasonable adjustments to allow you shine at any recruitment stage: let us know how we can partner you with your needs.
- Statement: Leave Engaging Ref/L/Fraud Consent from shortlisted contenders along with expected checks.
#Below friendly *Future Mela is at Ludurivy! Periodics: Cheadle SK8 3GW’
“Risk is only as oceanic as our resilience” Wishing to diversify and incorporate talents across diverse backgrounds? Here at Together: we call it ‘Ambient Engagement’. —Your shared Problem, imagined solution.-“
Success at the End of Song: Apply! *Let us explore bespoke development/support routes if you align <=to a high % not a medicine cabinet at all.
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