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- Tasks: Lead risk management and control for our Motor Finance division, ensuring compliance and proactive strategies.
- Company: Join Aldermore Group, a forward-thinking company with a strong focus on risk culture.
- Benefits: Enjoy hybrid working, competitive salary, and opportunities for professional growth.
- Why this job: Shape the future of Motor Finance while influencing a robust risk culture.
- Qualifications: Experience in UK Consumer Credit and strong communication skills are essential.
- Other info: Be part of a diverse team committed to an inclusive environment.
The predicted salary is between 48000 - 72000 £ per year.
This is a Permanent, Full-Time vacancy that will close in 13 days at 23:59 BST.
Location: Cardiff with regular travel to London (Hybrid working).
Aldermore Group is seeking an experienced and forward-thinking Risk & Control Director to lead and strengthen the first line risk and control framework within our Motor Finance business. This is a pivotal leadership position that sits within both the Motor Finance senior leadership team and the wider Aldermore Group leadership community.
As the Risk & Control Director, you will take ownership of the risk profile for the Motor Finance division, ensuring alignment with the Group’s Risk Appetite, Frameworks, and Policies. Operating in the First Line of Defence, you will embed a robust risk culture and drive proactive risk management across the business.
This role involves engaging with stakeholders including the FCA, Board members, Group Executives, the Chief Risk Officer, the Second Line of Defence, investors, credit rating agencies, and more. This position is Certified under the FCA’s Senior Managers & Certification Regime (SM&CR).
If you are a strategic thinker with deep expertise in risk and control and a passion for leading in a regulated environment, we invite you to help shape the future of Motor Finance at Aldermore.
- Oversight: Review and challenge of 1LOD risk management & control to ensure risks are managed within the Group’s risk appetite, frameworks, policies, and relevant regulations (e.g., CONC, DISP). Ensure risk management conforms to industry best practices.
- Strategic Partner: Act as a business partner to senior Motor Finance leaders to influence risk culture, identify emerging risks, and support risk mitigation strategies. Oversee incident management and root cause analysis.
- Leadership & Resilience: Lead, manage, develop, and coach a team of Risk & Control professionals to oversee risk management and provide expertise across the Group.
- Risk Appetite: Support the 2LOD Risk Function to set appropriate risk limits ensuring key risk metrics stay within approved constraints.
- Control: Implement and embed the Risk and Control self-assessment (RCSA) process, ensuring controls are fit for purpose and compliant with regulations such as Consumer Duty and the Consumer Credit Act.
- Insight & Analysis: Produce insights into the quality and concentration of Motor Financial & Non-Financial risks.
- Culture: Promote a risk-aware culture and foster collaboration with Audit and 2LOD Risk teams.
- Stakeholder Management: Engage with regulators, credit agencies, and third-party providers, providing advice and oversight.
- Governance: Participate in senior risk forums and governance bodies.
- External Environment: Monitor external regulatory and legal developments affecting consumer finance and lead regulatory change initiatives.
About You:
- Experience in UK Consumer Credit sector, including CCA products.
- Understanding of Financial and Non-Financial Risks.
- Knowledge of UK regulators’ expectations, especially FCA and PRA, with experience in regulator engagement preferred.
- Strong communication skills to manage internal and external relationships and present to senior stakeholders.
- Experience in designing proportionate control frameworks tailored to specific risk profiles.
- Ability to write clear policies and procedures, and manage incident and operational risks.
We value diversity and are committed to an inclusive environment. We conduct thorough background checks, including criminal record verification.
Risk & Control Director in Cardiff employer: Motonovo
Contact Detail:
Motonovo Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Risk & Control Director in Cardiff
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and risk sectors. Attend industry events or webinars, and don’t be shy about introducing yourself to key players. You never know who might have the inside scoop on job openings!
✨Tip Number 2
Prepare for interviews by researching Aldermore Group and their Motor Finance division. Understand their risk appetite and recent developments in the consumer credit sector. This will help you tailor your responses and show that you're genuinely interested in the role.
✨Tip Number 3
Practice your storytelling skills! Be ready to share specific examples of how you've managed risks and led teams in the past. Use the STAR method (Situation, Task, Action, Result) to structure your answers and make them memorable.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who take the initiative to engage directly with us. Good luck!
We think you need these skills to ace Risk & Control Director in Cardiff
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Risk & Control Director role. Highlight your experience in risk management and any relevant achievements that align with the job description. We want to see how your skills fit into our vision!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about the role and how your background makes you the perfect fit. Don’t forget to mention your understanding of the UK Consumer Credit sector and regulatory expectations.
Showcase Your Leadership Skills: As a leadership position, we’re looking for evidence of your ability to lead and develop teams. Share examples of how you've managed risk and fostered a risk-aware culture in previous roles. This will help us see your potential impact at Aldermore.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates. Let’s get started on this journey together!
How to prepare for a job interview at Motonovo
✨Know Your Risk Frameworks
Make sure you’re well-versed in the risk and control frameworks relevant to the Motor Finance sector. Brush up on the FCA and PRA regulations, as well as the Group’s specific policies. Being able to discuss these confidently will show that you’re not just familiar with the theory but can apply it practically.
✨Engage Stakeholders Effectively
Prepare to discuss how you would engage with various stakeholders, from Board members to regulators. Think of examples where you've successfully influenced risk culture or managed relationships. This will demonstrate your strategic partnership skills and ability to navigate complex environments.
✨Showcase Leadership Experience
As a leadership role, they’ll want to see your experience in managing and developing teams. Be ready to share specific instances where you’ve led a team through challenges, implemented training, or fostered a risk-aware culture. Highlighting your coaching abilities will set you apart.
✨Prepare for Scenario Questions
Expect scenario-based questions that test your problem-solving skills in risk management. Think about past incidents you’ve managed and how you approached root cause analysis. Being able to articulate your thought process will showcase your analytical skills and resilience in a regulated environment.