At a Glance
- Tasks: Lead risk management frameworks and provide strategic risk leadership in a fast-paced FinTech environment.
- Company: Join Capital on Tap, a rapidly growing financial platform with a strong focus on small businesses.
- Benefits: Enjoy private healthcare, generous holiday, learning budget, and a dog-friendly office.
- Other info: Hybrid role with excellent career growth opportunities and a commitment to diversity and inclusion.
- Why this job: Make a real impact in a senior role while shaping the future of risk management.
- Qualifications: Expertise in enterprise risk management and experience in FCA-regulated firms required.
The predicted salary is between 70000 - 90000 £ per year.
We’re Capital on Tap. Capital on Tap is a financial platform offering a best‑in‑class business credit card, SME‑focused spend management platform, savings product, and a suite of tools to help small businesses. 1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we’re profitable. We’re growing fast.
The Risk & Compliance team is the second line of defence, working at the intersection of regulation, product and business growth. As Risk Manager, you will lead design and delivery of the risk management framework, working closely with the UK Compliance Director and risk owners.
The Role
- Senior leadership position focused on building forward‑looking risk frameworks.
- Requires expertise in enterprise risk management within FCA‑regulated firms, technical fluency, and a pragmatic, problem‑solving approach.
What You’ll Be Doing
- Strategic Risk Leadership – provide senior leadership with a forward‑looking, decision‑useful view of risk.
- Framework Ownership – own and refresh the Enterprise Risk Management Framework, ensuring the three lines of defence design fits a growing FinTech.
- Risk Taxonomy & RCSAs – rebaseline taxonomy with risk owners, refresh risk assessments and appetites.
- KRIs & Risk Reporting – build live KRI dashboards and support reporting to the Risk Committee.
- Risk Systems & Data – transition to a GRC platform.
- Stress Testing & Wind‑Down – lead annual wind‑down plan refresh aligned to FCA WDPG and CASS 10A resolution pack.
- Governance Support – support Risk Committee Charter and Terms of Reference refresh.
- Independent Assurance – partner with Internal Audit and third‑party assurance providers to shape an assurance plan aligned to residual risks.
- Business Enablement – provide second‑line challenge to product launches, partner‑bank changes, and AI implementations.
- Risk Culture – support risk culture across the business by engaging risk owners on impact classification and risk‑owned RCSAs.
- Deep Regulatory Expertise – comprehensive knowledge of FCA SYSC 4, 6 and 7, EMD/PSD regime, FCA WDPG and CASS 10A. Ability to interpret complex requirements.
- Framework Design Experience – hands‑on experience designing or refreshing an Enterprise Risk Management Framework: taxonomy, appetite, KRIs, RCSA methodology and Risk Committee reporting.
- FinTech / Payments Background – experience in FCA‑regulated firm in EMI, payments, banking or FinTech, understanding of partner‑bank concentration risk.
- Forward‑Looking Reporting – track record of building effective risk reporting.
- Stress Testing & Wind‑Down – practical experience embedding stress testing, reverse stress testing and wind‑down planning at firm level.
- Senior Stakeholder Influence – confident independent challenge at Director and C‑suite level, building constructive relationships while holding the second line.
- Urgency & Business Focus – ability to work at pace in fast‑moving environments, building at speed.
- Strong Written Communication – excellent written communication for papers, Risk Committee briefings and Board notes.
Nice to Have
- GRC Platform Experience – evaluation or implementation of a GRC platform.
- AI & Operational Resilience – exposure to AI risk management and operational resilience under FCA expectations.
- Professional Qualifications – recognised risk qualification such as IRM, FRM, PRMIA or equivalent. Big 4 or consulting background in financial services risk also welcome.
Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Hybrid role, minimum 3 days a week in London office.
Benefits
- Private healthcare including dental and opticians services.
- Worldwide travel insurance.
- Access to a women’s health platform.
- Anniversary rewards (£250, £500, £750, 4‑week fully paid sabbatical).
- Salary sacrifice pension scheme up to 7% match.
- 28 days holiday plus bank holidays.
- Annual learning and wellbeing budget.
- Enhanced parental leave.
- Cycling to work scheme.
- Season ticket loan.
- Six free therapy sessions per year.
- Dog‑friendly offices.
- Free drinks and snacks.
Risk Manager New London employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer, offering a dynamic work environment in the heart of London. Our commitment to employee growth is reflected in our comprehensive benefits package, including private healthcare, generous holiday allowances, and a focus on learning and wellbeing. Join us to be part of a forward-thinking team that values inclusivity and innovation while supporting small businesses with cutting-edge financial solutions.
StudySmarter Expert Advice🤫
We think this is how you could land Risk Manager New London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at Capital on Tap. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for the interview by knowing your stuff! Brush up on FCA regulations and risk management frameworks. Show us you’re not just a candidate, but the perfect fit for our fast-paced environment.
✨Tip Number 3
Don’t forget to showcase your problem-solving skills! We love candidates who can think on their feet and tackle challenges head-on. Bring examples of how you've done this in past roles.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows us you’re genuinely interested in being part of the Capital on Tap family.
We think you need these skills to ace Risk Manager New London
Some tips for your application 🫡
Tailor Your Application:Make sure to customise your CV and cover letter for the Risk Manager role. Highlight your experience in enterprise risk management and any relevant regulatory knowledge, as this will show us you understand what we're looking for.
Showcase Your Communication Skills:Since strong written communication is key for this role, ensure your application is clear and concise. Use bullet points where necessary and avoid jargon unless it's relevant to the role. We want to see how well you can convey complex ideas!
Demonstrate Your Problem-Solving Skills:In your application, share examples of how you've tackled challenges in previous roles. We love seeing a pragmatic approach to problem-solving, especially in fast-paced environments like FinTech.
Apply Through Our Website:We encourage you to apply directly through our website. This way, your application will be processed more efficiently, and you'll be one step closer to joining our awesome team at Capital on Tap!
How to prepare for a job interview at Capital on Tap
✨Know Your Risk Frameworks
Make sure you’re well-versed in the Enterprise Risk Management Framework. Brush up on your knowledge of FCA regulations and be ready to discuss how you would refresh and own this framework at Capital on Tap.
✨Showcase Your Strategic Leadership
Prepare examples that demonstrate your ability to provide forward-looking risk insights to senior leadership. Think about times when your strategic input has influenced decision-making and be ready to share those stories.
✨Demonstrate Technical Fluency
Familiarise yourself with key risk indicators (KRIs) and risk reporting. Be prepared to discuss how you’ve built effective risk reporting systems in the past, especially in fast-paced environments like FinTech.
✨Engage with Risk Culture
Understand the importance of risk culture within an organisation. Be ready to talk about how you’ve engaged with risk owners in previous roles to foster a strong risk culture and ensure compliance across teams.
