We are Creditspring, a new way of borrowing that focuses on its members and provides them with safe and efficient short-term financial products.

We're a fast-growing FCA-regulated consumer credit company. We have members, not customers, and we take a lot of pride in that!

As one of the UK’s only subscription finance companies in the market, we truly have a unique value proposition. Our mission is very clear: to improve the financial stability and resilience of our members.

We do this through the products we provide, the partnerships we have, and our educational content. We want our members, and everyone in the UK, to be able to better manage their finances and steer them away from high-cost, unregulated credit options.  

About the role

This role will develop and embed the enterprise-wide risk management framework, ensuring that key risks are identified, assessed, monitored, and reported across the business. The ideal candidate will have experience in promoting a strong risk culture across the organisation, helping to turn risk into a strategic advantage. This is a senior role within our Operational Risk function, reporting to the Chief Risk Officer. 

Responsibilities

• ERM Framework & Risk Appetite
  • Lead the development and continuous improvement of the Enterprise Risk Management Framework and maintain the Risk Appetite Statement in alignment with business strategy.
• Risk System Oversight & Data Management
  • Oversee the Risk Management system to ensure risks are identified, monitored, and documented; facilitate effective stakeholder engagement through regular reviews and ensure data is actionable and up to date.
• Governance & Committee Engagement
  • Coordinate Risk & Compliance Committee meetings, develop insightful risk packs for executive and board-level reporting, and guide discussions to ensure meaningful risk oversight and challenge.
• Cross-Functional Collaboration & Culture
  • Actively contribute to general management decision-making, support business teams with risk guidance, and promote a strong risk culture through training, awareness, and engagement.
• Control Monitoring & Assurance Alignment
• External Engagement & Industry Awareness
  • Lead responses to auditors and regulators, stay informed on industry risk developments, and represent the CRO when required in internal and external meetings.
• Ensure risk controls are tested and effective, align with 2nd and 3rd line assurance functions, and escalate issues or gaps appropriately while supporting remediation efforts.

What you'll need to succeed

• A minimum of 5 years working within risk management in a regulated financial services/consumer credit business.
• Strong knowledge of enterprise risk frameworks, governance, and regulatory requirements.
• Experienced in using and developing Risk Management systems.
• A minimum of 3 years of people management experience, whilst the role has no direct reports, these skills will be critical for influencing and directing risk management actions.
• Practical experience of cross-functional collaboration and embedding/developing a risk culture across the business.
• Comfortable working with data and able to use data to identify issues or opportunities.
• Collaborative and proactive with a pragmatic approach to problem-solving.

Nice to have:

• Risk Management Information System implementation experience.
• Risk Management Qualifications.

Don’t meet all the listed requirements? Research shows that women and people of underrepresented groups often don't apply for jobs unless they're 100% qualified.

As an equal opportunities employer, we know that diversity is a key part of our teams' successes - so if your experience doesn’t fit perfectly but this role excites you, we’d love for you to apply.

We’re committed to Creditspring being an inclusive environment where employees feel welcomed, valued and listened to; we want you to thrive as your true self. Please note that the People Team is contactable only via people@creditspring.co. Unsolicited emails to other team members will not be actioned

Department: Operational Risk

Locations: London Office

Remote status: Hybrid