Job Description

Job Description

We're currently supporting a leading financial services organisation with the appointment of a Senior Conduct Compliance Executive on a 6-month fixed-term contract.

This is an excellent opportunity for an experienced compliance professional to take a key role in managing conduct and regulatory risk, supporting senior stakeholders, and helping drive a strong compliance culture across the business.

Key areas of responsibility include:

• Leading conduct risk monitoring and testing activities
• Supporting and mentoring a small Compliance team
• Providing regulatory advice on FCA requirements, financial promotions, incidents and business projects
• Managing conduct risk assessments and compliance reporting
• Influencing senior stakeholders, including SMF holders and Executive leadership
• Reviewing policies and procedures to ensure ongoing regulatory compliance

We're keen to speak with candidates who have:

• Strong FCA regulatory knowledge, including Consumer Duty and conduct risk Experience within financial services and regulated environments
• Up-to-date knowledge of CONC
• Compliance monitoring and assurance experience
• Excellent stakeholder management and communication skills
• Previous experience leading, mentoring or coaching compliance professionals

This is a fantastic opportunity to join a highly regarded organisation and make an immediate impact within a dynamic compliance function.

This is a fantastic opportunity for an experienced Prudential Compliance professional to play a pivotal role in shaping and overseeing regulatory compliance frameworks within a complex and evolving regulatory environment.

This is a hybrid role, with the expectation to work in the office 1-2 days a week.

Key responsibilities include:

• Acting as the subject matter expert on PRA regulation and prudential compliance
• Leading the development and maintenance of the Group Compliance Policy Framework
• Owning and enhancing the ORSA process, ensuring integration with enterprise risk management and business planning
• Providing expert interpretation of complex regulatory requirements and translate these into practical policies, frameworks and controls
• Leading regulatory horizon scanning, with a particular focus Solvency UK developments and supervisory expectations
• Managing engagement with the PRA, including regulatory submissions, reviews and ongoing supervisory interaction
• Supporting Board and Executive governance through high-quality reporting and insight on regulatory compliance and emerging risks

The successful candidate will bring:

• Deep expertise in PRA regulation and prudential frameworks, including Solvency II / Solvency UK and ORSA
• Strong understanding of the interaction between FCA and PRA requirements
• Experience engaging directly with regulators and managing supervisory relationships
• The ability to translate complex regulatory requirements into practical business policies and controls
• Experience leading compliance monitoring, oversight and assurance activities

This role offers the opportunity to join a well established insurer where you will have significant influence over prudential compliance strategy, regulatory engagement and governance frameworks at a senior level.

Benefits include:

• 7.5% annual discretionary group bonus
• £600 flexible benefit pot (includes critical illness cover, private medical insurance, additional life assurance cover and more)
• 10% employer pension contribution (Minimum 4% employee contribution to qualify)
• 36 days annual leave (inclusive of 8 bank holidays)
• 4x Life Assurance

Job Purpose

The Senior Credit Risk Modelling Analyst is responsible for building, monitoring, and calibrating the statistical models that underpin the risk assessment framework. This includes application scorecards, Probability of Default (PD), Loss Given Default (LGD), behavioural scorecards, models for stress testing and statistical forward-looking projections.

Your key contributions will be to assist in the local construction of new models, ensure the robust calibration of parameters for the UK portfolio, conduct rigorous back-testing, and provide ongoing monitoring and effective challenge to all models in use. This role also involves building new suite of models for Residual Value risk and Stress testing models for ICAAP. Where models are centralised, you will be required to engage with the Group modelling team and support their model developments as required.

Description

• • Support the end-to-end development and implementation of credit risk models (PD, LGD, EAD)
  • Support the back testing for IFRS9 (PD, LGD, EAD, SICR) and  statistical forward-looking Models.
  • Support  Parameter Estimates for IFRS9 to ensure that the models are running as expected.
  • Monitor the performance of the models and implement controls that help to prevent data quality issues affecting the models.
  • Participate to the constant improvement of the models, propose new potential segment to target, comply with the evolution of the regulation and create or improve the documentation where necessary.
  • Experience with External Audit is essential.
  • Stay updated on industry trends, regulatory changes, and best practices in credit risk modelling to ensure the company's policies remain current and effective.
  • Prepare high-quality, detailed model documentation, implementation reports, and performance monitoring presentations for a range of audiences, including senior management, internal audit, and regulatory bodies.
  • Assess the compliance of the models implemented with both EBA (European Banking Authority) and PRA (Prudential Regulation Authority).

Knowledge & Skills

• • Strong academic background with a degree in a quantitative discipline such as Statistics, Mathematics, Economics, Physics, or Engineering. Detailed understanding of the underlying statistical theory is essential.
  • Significant experience in proactively problem solving and analysing of large, complex data sets, identify trends, and make data-driven decisions.
  • Advanced and demonstrable programming skills in SAS are mandatory for this role.
  • Proficiency in at least one other statistical programming language, such as Python or R.
  • Ability to work under pressure and with short deadlines.
  • Advanced knowledge with machine learning techniques (e.g., Gradient Boosting, Random Forests, deep Neural Networks) and their application in a credit risk context is desirable.
  • Strong communication skills, with the ability to articulate complex technical concepts to non-specialist audiences, both orally and in written form.

This is a hybrid role (2 days a week in the office).

Benefits include:

• 27 days annual leave 
• Private Healthcare - Self + Partner Cover
• Annual bonus scheme - up to 10% non-contractual bonus
• COP Car Scheme (£37.50 per month) - Available to order within the first month
• Loan Plan Scheme - entitled up to 2 vehicles at any one time
• Employee pension contribution of 3.5%/Employer pension contribution of 7.22%
• Flexible Benefit Scheme

Role Purpose

You will lead the reporting, in-depth analysis, and comprehensive assessment of the credit risk portfolios throughout the product lifecycle, encompassing both onboarding/lending and in-life credit policies. This role will drive the evaluation and strategic management of credit risk, ensuring that our credit policies are robust, effective, and aligned with the company's risk appetite. You will independently prepare and present advanced data analyses to inform and influence key decision-making processes, with a primary focus on optimising the health and performance of our credit portfolios.

Working closely with the wider Credit teams, you will proactively collaborate and provide expert guidance to ensure that data-driven insights and strategic recommendations are developed and implemented to enhance and maintain the Bank’s credit risk position.

Description

•  Lead the evaluation and optimisation of the creditworthiness assessment of potential clients during the onboarding phase, ensuring alignment with relevant regulation and the company's risk appetite under guidance.
• Proactively monitor and provide strategic insights on the credit risk profile and Cost of Risk performance of existing portfolios, identifying and proactively mitigating potential risks throughout the loan lifecycle. Drive the development and implementation of advanced credit risk mitigation strategies, including improving collection and recovery processes, to optimize capital allocation and ensure effective in-life credit policies.
• Act as a key liaison and lead collaboration with wider Credit teams, as well as cross-functional teams, including but not limited to collections, compliance and risk, to ensure cohesive and integrated risk management practices.
• Independently research and interpret industry and economic trends, regulatory changes, and best practices in credit risk management, translating these into actionable recommendations for the company's policies and strategic direction.
• Champion a culture of data-driven insights, continuously improving processes and policies, and overseeing appropriate data quality and cataloguing is maintained.
• Conduct complex analysis and develop strategic recommendations for opportunities to maximise customer and regulatory outcomes whilst balancing portfolio risk and growth.
• Prepare and present detailed, high-impact reports, analysis, and presentations for senior management, committees, and other stakeholders, clearly articulating key findings and driving consensus on strategic recommendations.
• Lead or manage key credit risk projects as required, ensuring successful delivery and measurable impact.

Knowledge & Skills

Core Credit Risk Expertise & Process Management:

• Expert-level understanding and practical application of end-to-end credit risk management processes within Financial Services, with a proven track record of optimising and enhancing these processes.

Regulatory & Compliance Knowledge:

• Comprehensive and up-to-date expertise in prevailing regulation under both the FCA, PRA and IFRS regimes (inc. CONC, Consumer Duty & IFRS9). In-depth knowledge of ECB regulation is highly desirable. Ability to interpret, apply, and advise on these regulations to ensure compliance and strategic alignment.

Analytical & Problem-Solving Skills:

• Highly proactive and intellectually curious, with a demonstrated ability to independently lead complex problem-solving initiatives. Expert in analysing large and intricate data sets, identifying critical trends, and driving impactful, data-driven strategic decisions.
• Advanced proficiency with analytical data tools (such as SAS, SQL & Microsoft Office), with the ability to develop sophisticated models and analyses.

Communication, Influence & Project Management:

• Exceptional communication and presentation skills, capable of articulating complex findings and recommendations clearly and persuasively to senior stakeholders.

Benefits include:

• 27 days annual leave 
• Private Healthcare - Self + Partner Cover
• Annual bonus scheme - up to 10% non-contractual bonus
• COP Car Scheme (£37.50 per month) - Available to order within the first month
• Loan Plan Scheme - entitled up to 2 vehicles at any one time
• Employee pension contribution of 3.5%/Employer pension contribution of 7.22%
• Flexible Benefit Scheme

Birchlake are partnering with an established Fintech lender who are looking to bolster their Compliance function with the appointment of a Senior Compliance Advisor.

This is a pivotal hire within the business. You’ll be responsible for supporting on all matters of compliance advisory, providing advice to colleagues and advising on regulatory matters.

Key responsibilities include:

• Provide clear, practical advice to teams across the business on regulatory compliance, especially in areas such as consumer credit, customer protection, and the FCA Handbook.
• Build strong working relationships and act as a trusted advisor by giving commercial, pragmatic, and cost-effective compliance guidance.
• Lead on regulatory change projects - assessing impacts, advising on necessary updates, and helping implement compliant policies and procedures.
• Maintain and regularly review compliance policies, and support teams in aligning their processes with regulatory requirements.
• Design and deliver training sessions on compliance risks and regulatory changes.
• Monitor upcoming regulatory changes, assess their impact on the business, and support implementation and staff training where needed.
• Identify and escalate compliance risks to senior leaders promptly to help minimise business impact.
• Promote a culture of compliance and strong risk management within the business, with a focus on delivering fair outcomes for customers.
• Collaborate regularly with operational teams to understand key processes, assess the effectiveness of controls, and highlight areas for improvement - particularly in arrears management, complaints handling, and support for vulnerable customers.
• Stay up to date with relevant FCA rules and regulations and apply this knowledge when advising the business.
• Provide compliance support for major projects and contribute regulatory insight to strategic business objectives.
• Monitor and assess both current and emerging regulatory risks and keep the business informed of key changes.
• Assist in delivering regulatory updates and reports to internal and external stakeholders.
• Oversee compliance with company policies and procedures across the business.

Key requirements:

• A minimum of 6 years' compliance experience in a FCA regulated environment
• Consumer Credit legislation and Consumer duty principles expertise
• Experience of writing detailed policies and procedures
• Excellent communication skills; calm and pragmatic approach
• Strong attention to detail

• To undertake the updating and embedding of the existing risk management system to enable the firm to manage its
  operational risks, including conduct risk, and adhering to Consumer Duty requirements.
• Ensuring that the business adheres to Group Operational Risk Control System policy and guideline requirements.
• Being a point of contact for the first line Risk Champions to ensure that the activities required to meet Group
  requirements are undertaken within the prescribed deadlines.
• Assisting in the setting the standards for risk management and promoting a risk centric culture within the business.
• Demonstrating a high work ethic and possess core knowledge and skills to support Risk Management objectives.

• Working closely with the Head of Risk & Compliance and Senior Risk Manager.
• Undertake the required training for the two bespoke risk management systems.
• Work closely with the Business Process Manager through the scoping and mapping phases.
• Work closely with the Risk Champions to review the risks and controls data and update in line with the Group Risk 
  requirements into the risk management system.
• Provide the necessary support and guidance in identifying risks and controls. Where risks are outside of process theyare recorded in the Op Risk Questionnaire.
• Support the Risk Champions through the assessment stage by providing oversight and guidance on the assessment.
• Ensure that in both systems relevant approvals are obtained.
• Ensure the relevant work in both systems are completed within prescribed deadlines.
• Write up procedure documents for both systems.
• Providing any training necessary to Process Owners and Risk Champions as part of the hand off process
• Assisting in any ad hoc requests relating to the two system requirements.
• Ensure Operational Risk Control System feedback has been fulfilled.

• Previous experience in embedding risk management systems within the insurance sector.
• Excellent knowledge of the Risk Management Cycle.
• Experience with risk analysis and reporting.
• Analytical mind with problem-solving aptitude.
• Excellent communication and presentations skills.
• A proactive approach to work, in terms of suggesting changes and improvements to processes and systems.
• Commercial awareness and the ability to understand broad business issues.

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