HCUK Enterprise Risk & Governance Manager in Redhill

Background Hyundai Capital UK Ltd is a joint venture operating under the Hyundai Finance, Kia Finance, and Genesis Finance brands, providing funding solutions to retailers and consumers.

Job Purpose

Reporting to the Head of Enterprise Risk, the Enterprise Risk & Governance Manager strengthens risk management, governance, and commercial decision-making across the business. The role coordinates and enhances key frameworks—including Fair Value Assessments (FVA) and decision governance—to ensure robust, efficient, and regulator‑aligned processes. It also supports incident management, identifies control gaps, and drives continuous improvement in governance and risk practices.

Key Accountabilities

• Strategic & Operational Risk Management: Lead and support the FVA process, ensuring it is robust, repeatable, auditable, and available for regulatory review. Provide independent Line 2 oversight and challenge over HCUK decision governance and key commercial risks, aligning to risk appetite and governance expectations. Assess, monitor, and report on risk and control performance across assigned business areas, escalating material issues and emerging risks. Maintain accurate and up‑to‑date registers and repositories (e.g., decision log, FVA documentation, risk registers). Identify, assess, and test key controls and governance standards, performing quality assurance reviews and thematic assurance where required. Drive a strong risk, control and governance culture through proactive engagement, challenge, and support to Line 1 stakeholders. Support and deliver risk-related conduct and governance projects, including in‑year reviews triggered by product or commercial change.
• Technical Knowledge: Refine and improve ERM frameworks, templates, procedures, KPIs/metrics, and operational processes within FVA, decision governance, and Line 2 oversight. Act as subject‑matter expert and point of contact on FVA process requirements, decision record standards, and Line 2 oversight expectations.
• Communication and Reporting: Develop and produce management information, dashboards, and committee documentation covering FVA outcomes, decision governance quality, commercial risk themes, and key control indicators. Attend Pricing Committee and Dealer Oversight Forum as ERM lead, representing the function and ensuring matters are handled in line with agreed governance. Attend Operational Risk Committee and Conduct Risk Committee, focusing on compliance with operational controls. Support governance forums by preparing packs, papers, and action trackers, ensuring decisions and outcomes are consistently recorded. Maintain effective communication with HCUK departments, internal auditors, OEM partners, SCUK teams, and Hyundai Capital Services for coordinated oversight. Provide clear, proportionate challenge and guidance to stakeholders on governance standards, evidence requirements, and remediation expectations.
• Outsourced Oversight: Support oversight, control testing, and performance monitoring of outsourced activities and related processes that impact fair value, customer outcomes, or material commercial/decision risks. Review KPI/SLA performance and associated risk and control evidence, escalating issues and tracking remediation actions.
• Insight and Continuous Improvement: Contribute to effectiveness reviews of FVA, decision governance, and commercial oversight activities, identifying root causes of recurring issues and control weaknesses. Recommend and support pragmatic improvements to strengthen governance, compliance, documentation quality, and risk mitigation. Identify themes and trends from MI, QA reviews, incidents, and audit findings, converting these into actionable insights for stakeholders and committees.
• Risk, Conduct & Compliance: Identify risks, incidents, breaches, and control weaknesses within scope, ensuring timely escalation, appropriate investigation, and robust remediation tracking. Support oversight of operational and conduct risk, ensuring alignment with FCA expectations, Consumer Duty requirements, and the HCUK ERM approach. Ensure customer outcomes and potential harms are considered and evidenced within FVA assessments, decision records, and governance submissions.
• Other: Deputise for the Head of Enterprise Risk as required. Undertake additional duties as reasonably requested.

Required Experience And Expertise

• Strong understanding of conduct risk, customer outcomes, and product governance.
• Experience within automotive finance preferred but not essential.
• Experience designing and embedding governance or assessment‐based processes.
• Proven ability to run complex cross‑functional processes without a formal project structure.
• Strong stakeholder management skills, including effective senior‑level challenge.
• Comfortable working with management information, judgement‑based assessments, and narrative evidence.
• Able to produce clear, structured, audit‑ready governance documentation.
• Confident engaging with committees and senior management.

Key Competencies

• Planning: Able to develop operational and project‑level plans, with strong organisational skills.
• Communication: Effective written and verbal communication; able to influence and present to senior stakeholders.
• Teamwork: Strong collaboration and relationship‑building skills.
• Analytical Skills: Ability to analyse data, processes, and controls.
• Time Management: Able to prioritise across multiple workstreams.

Other Information

HCUK employees are currently hybrid working—a mixture of home and office. The head office is in Reigate, Surrey, and a minimum of two office days per week is required.

Remuneration Package

Competitive base salary depending on expertise, ranging from £60,000 to £70,000. Eligibility for an annual bonus, up to 15%. 30 days holiday per annum plus bank holidays, with flexible holiday options and additional leave after five years. Company pension scheme with generous employer contributions. Cash car allowance of £6,000. Company‑sponsored individual private medical insurance. Additional family, lifestyle and health‑related benefits, including death in service, income protection, discounted voluntary healthcare plans, employee car scheme, employee assistance program, and enhanced family‑friendly policies.