Company Description

We’re Together – the market leading property finance experts with an entrepreneurial spirit. Based in Cheadle, South Manchester, we’ve been established since in 1974 and have built a team of over 750 colleagues, who are passionate about supporting individuals and businesses achieve their property ambitions by making finance work for them.

We pride ourselves on our common sense approach to lending and offer a range of mortgage and secured loan products to individuals and businesses who are typically underserved by mainstream lenders.   Our customers are central to everything we do and we work hard to support them to turn challenges into opportunities which make our customers' property ambitions a reality. 

We’re looking for great people from all backgrounds and experiences who love working together and putting our customers at the heart of everything we do – and that starts with our brilliantly different team of people. 

Job Description

As a Senior Financial Risk Manager, you will be responsible for the oversight of first line financial, strategic and climate risk management. You will develop financial risk registers to monitor evolution of key risks, feeding into ALCO. You will also be responsible for the review and development of the financial risk policy, setting and management of financial risk appetites and reporting of risk profiles through governance. For strategic and climate risk, you will work with key stakeholders to ensure the risk profile, appetites and appetite metrics provide suitable oversight and assurance to the Executive and Board for these risk types.

As a Senior Financial Risk Manager, we are looking for someone to:

• Oversee, challenge and lead assurance of first line financial, strategic and climate risk management
• Own and develop financial and climate risk policy, ensuring appropriate governance of changes and evidence of key controls
• Evolve our approach to second line strategic risk management, e.g. consideration of requirement for policy/standard/framework
• Produce the risk profiles for Exec and Board risk committees, working with the first line to ensure all material risks have been identified and mitigating actions (where required) have been defined and progressed
• Set, via the Board, risk appetites and risk appetite metrics
• Develop suitable KRIs with business stakeholders for financial, strategic and climate risk management across the business
• Provide second line risk profile impact assessment of financial plans: budget, reforecasts and strategic plans
• Develop financial risk registers to monitor evolution of key risks, feeding into ALCO
• Contribute to the overall continuous development of risk management and of the company’s risk appetites

Qualifications

Essential

• A recognised accountancy qualification
• Experience in accountancy/external audit and/or financial risk and/or prudential risk (risk assurance, risk consulting)
• Ability to engage and build relationships with senior stakeholders, with confidence to challenge
• The ability to identify trends and interpret data from multiple sources and investigate anomalies and unusual patterns / activities
• Effective problem-solving skills and ability to make recommendations based on findings considering commercial and customer implications
• Excellent communication skills to articulate complex issues/analysis up to Board level and interact with other teams across the business both verbally and in writing

Additional Information

Benefits working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Buy & sell holidays
• Discretionary annual bonus
• Matched pension contribution
• Life assurance
• Critical illness cover
• Health cash plan
• Private medical insurance
• Free access to company holiday homes
• Travel season ticket loans
• Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Together Money embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

We care that you have a great experience with us at Together, if you need us to make any reasonable adjustments to make your experience easier, please let us know and we’ll do all we can.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.