Enterprise & Operational Risk Transformation Lead

Location: Hybrid, London Location
12 month fixed term contract

Premium Credit is the leading provider of insurance premium finance and a range of annually charged services, including tax, regulatory and accountancy fees, sports season tickets, memberships and school fees in the UK and Ireland. We're a multi award winning business lending more than £5 billion to over 2.5 million customers through a network of almost three thousand partners- and growing.

Certified as a Great Place to Work in the UK and Ireland and recently awarded a Top 100 Place to Work, we’re a successful business with a Trustpilot rating of 4.5, a Net Promoter Score of +78, a Glassdoor rating of 4.4 and a Silver Sustainability medal.

We offer

• Competitive salary

• A workplace pension scheme

• Hybrid working, with collaborative days in our Leatherhead office

• 25 days annual leave (plus bank holidays), with options to purchase and sell up to 5 days holiday per year (pro rata)

• Private health and dental cover

• Support and investment in your personal development

• 24/7 access to Employee Assistance Programme and Mental Health First Aiders

We’re looking for an Enterprise & Operational Risk Transformation Lead to play a pivotal role in strengthening how we identify, manage and respond to risk across the business.

This is a senior, highly influential role for a risk professional who enjoys building frameworks, embedding technology and partnering with leaders to make risk practical, meaningful and commercially relevant.

What you’ll be doing

As a key member of the Risk team, you’ll lead the evolution of Premium Credit’s Enterprise and Operational Risk Management Framework, ensuring it remains robust, proportionate and fit for the future.

Your role will include:

• Leading the design, implementation and embedding of our GRC software platform, ensuring it supports both current and emerging business needs

• Partnering with Legal, Risk & Compliance leadership to deliver a best‑in‑class enterprise and operational risk framework

• Enhancing risk policies, procedures, risk appetite statements and key risk indicators

• Owning and maintaining the central risk and control library, including risk and control taxonomies

• Strengthening core operational risk tools such as RCSA, incident and issue management processes

• Providing effective second‑line challenge, insight and analysis to senior leaders and governance forums

• Working closely with first‑line teams (Operations, Technology, Data & Security, People and Legal) to embed good risk practices into systems, products and change initiatives

• Supporting the Chief Risk Officer in the design and implementation of Premium Credit’s AI governance and risk framework

• Promoting a strong, positive risk culture, making risk relevant and accessible across the organisation

What you’ll bring

You’ll be an experienced enterprise or operational risk professional with the credibility to influence at senior level and the confidence to challenge constructively.

We’re looking for someone who has:

• Strong experience designing and embedding enterprise and operational risk frameworks

• A solid understanding of UK regulatory requirements within financial services

• Hands‑on experience with GRC systems and risk data

• Expertise in RCSA, incident management, control testing and risk reporting

• The ability to translate complex risk issues into clear, commercial insight

• Excellent stakeholder management and influencing skills

• A pragmatic mindset — balancing risk management with business outcomes

• An interest in, or experience of, AI governance and technology‑related risks

Professional qualifications or experience across enterprise risk, operational risk, operational resilience, compliance or internal audit are highly valued.

We're committed to providing reasonable adjustments or accommodations for applicants, so if you need support during the recruitment process, please let us know on the application form or send an email to recruitment@pcl.co.uk

If you're made an offer of employment you’ll be required to prove your eligibility to work in the UK before you start work. You must reside in the UK from the start date of this role; unfortunately we are unable to provide visa sponsorship at this time.

To ensure you can work from home efficiently you'll be asked to provide your internet speed at the application stage.

Premium Credit are an equal opportunities employer with a strong and passionate commitment to Diversity, Equality and Inclusion in the workplace. We welcome applications from all sections of the community and encourage people from all backgrounds to apply. Equal opportunities are the only acceptable way to conduct business and we believe that the more inclusive our environments are, the better our work will be.

By submitting your application, you agree that Premium Credit may collect your personal data for recruiting and related purposes. PCL uses AI tools to assist with our review of applications, including to summarise CVs against relevant job criteria and transcribe interviews. However, our team always makes the final decision on any application. Please see our privacy notice (https://www.premiumcredit.com/Recruitment-privacy-notice) for further information on how we process your personal data during the application process.

All postholders will be subject to appropriate pre-employment vetting procedures and a satisfactory Disclosure & Barring Service (DBS) check prior to appointment.

Please note, we reserve the right to close this vacancy early if we identify a number of suitable candidates. All applicants will be advised if the vacancy closes early.

We are not engaging agency support for this role and respectfully ask that agencies do not submit unsolicited candidate details to Premium Credit Limited in relation to this role.