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Job Description\n Head of Risk & Compliance \n Location: Fleet, Hampshire (Hybrid working available) \n Reporting Line: Chief Executive Officer, Regular reporting to the Board and Risk Committee \n Status: 1.00 FTE \nRole Purpose\n The Head of Risk & Compliance is a senior leadership role responsible for establishing, owning, and continuously enhancing the firm’s risk management and compliance frameworks. The role provides independent oversight across all risk categories and regulatory obligations, supporting sustainable growth of the SME lending and equity investment portfolio. The position operates as a key second‑line function and acts as a trusted adviser to the Board, executive team, and investment committees. \nKey Responsibilities\nRisk Management\n\n • Refine, implement, and maintain the firm’s enterprise risk management framework, including risk appetite, policies, and governance structures.\n, • Own and challenge existing credit risk frameworks covering SME debt and equity investments.\n, • Monitor and report portfolio risk, concentration risk, stress testing, scenario analysis, and capital adequacy.\n, • Own operational, liquidity, reputational, and strategic risk assessments.\n, • Ensure timely and accurate risk reporting to the Board Risk Committee and senior management.\n, • Embed a strong risk culture across the organisation through training, communication, and effective challenge.\n\nPortfolio Management\n\n, • Oversee second‑line portfolio risk monitoring for both debt and equity: watch‑lists, triggers, MI dashboards, impairment/provisions, and performance vs. plan.\n, • Direct coverage/portfolio intervention process plan (work‑outs, restructures, external specialists) to minimise losses and maximise outcomes; assure fair customer treatment and regulatory expectations are met.\n, • Lead portfolio governance reporting and challenge including credit scoring/grading, Probability of Default (PD) and Loss Given Default (LGD) Exposure at Default (EAD) approaches, stress testing for debt portfolios, and equity valuation/exit risk assessment frameworks.\n, • Produce concise, decision‑useful risk reports for Regional Fund Heads, on impairments, recoveries, and thematic risks.\n\nCompliance & Regulatory Oversight\n\n, • Own and maintain the firm’s compliance framework in line with FCA (or equivalent) regulatory requirements.\n, • Hold FCA regulatory approval for Compliance (SMF16) and MLRO (SMF17) duties, maintain policies and monitoring plans, and liaise with regulators and advisers as the main point of contact.\n, • Oversee AML, KYC, financial crime, conduct risk, maintain business continuity/disaster recovery oversight and data protection obligations.\n, • Own and implement annual compliance monitoring programmes, policies, and controls.\n, • Manage all regulatory interaction, including reporting, breaches, remediation plans, and internal compliance audits.\n, • Ensure governance arrangements meet regulatory expectations for a regulated SME lender/investor.\n\nGovernance & Leadership\n\n, • Chair or contribute to Management and Board Risk Committees.\n, • Provide clear, practical advice to the Board on risk and regulatory matters.\n, • Be the contact point for Investors ensuring contract and reporting obligations reflect robust risk practice.\n, • Support new fund/product development and strategic initiatives from a risk and compliance perspective.\n, • Build, lead, and develop a high‑performing Risk team.\n, • Embed risk culture promoting proportional analysis and strong documentation; coach regional/sector heads and investment managers.\n, • Partner closely with the Finance team.\n\nKey Relationships\n\n, • CEO and FD\n, • Regional Fund Heads\n, • Investment Committee / Credit Committee\n, • Board Risk Committee and Chair of BRC\n, • Regulators and external advisers\n, • External compliance consultants and professionals (e.g solicitors & Insolvency practitioners)\n\nPerson Specification\nEssential Experience\n\n, • Significant senior experience in risk management and compliance within financial services, with eligibility to hold a Senior Manager Function (SMF).\n, • Strong background in SME lending, credit risk, or investment environments.\n, • Demonstrable experience working in regulated firms (FCA or similar).\n, • Experience presenting to Boards and senior stakeholders.\n, • Proven ability to operate effectively in a small, fast‑growing organisation.\n\nTechnical Knowledge\n\n, • Credit risk frameworks and portfolio management\n, • Regulatory compliance and governance\n, • AML / KYC and financial crime controls\n, • Risk appetite setting and stress testing\n, • Regulatory handbook, reporting and compliance monitoring\n\nQualifications (Desirable)\n\n, • Relevant professional qualification (e.g. ICA, FRM, PRM, ACA, CFA or equivalent).\n\nPersonal Attributes\n\n, • Commercially minded with strong judgement\n, • Confident communicator with gravitas at Board level\n, • Pragmatic, solutions‑oriented approach to risk\n, • High integrity and independence of thought\n, • Comfortable balancing control with growth objectives\n\nKPIs & success measures\n\n, • Building on the existing robust measures for the strategy of FSE updating for risk assessment advances in the wider market.\n, • Improving efficiency of processes utilising technology, including AI, to provide robust systems delivered at higher volumes.\n, • Portfolio performance vs. Risk Appetite (defaults/impairments, equity write‑downs, recovery rates).\n, • Committee throughput and decision quality (time‑to‑sanction, exceptions trend, post‑decision outcomes).\n, • Operational/compliance health (policy adherence, monitoring findings closed on time, BC/DR readiness).\n

Here at Direct Line Group Auto Services, we genuinely care about what we do and aim to provide a phenomenal level of service for our customers. Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

You will collaborate with the policyholder and Direct Line Group engineering functions where vehicles are borderline repairable or beyond economical repair. Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. Here at

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. Conducting Post implementation reviews and take actions where the actual impacts are not in line with expectation. Initially you’ll focus either on PCW or on Direc

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Whether you’re already part of Direct Line or thinking about joining us, you’ll have the chance not only to be recognised for your skills, but also to build on them and be empowered to do your very best. Month-End Optimisation: Challenge and refine month-end processes, identifying improvements i

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. Working with the support of a small team of case handlers, the role ensures litigation is conducted effectively, efficiently, and in line with professional obligatio

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Direct Line Group is an equal opportunity employer. Review digital evidence submitted via our online claims portal. Support complaint resolution by facilitating field visits and handling informal complaints directly.

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A leading insurance provider in the UK is looking for a tax professional to support the Direct & Employment Tax Manager on a hybrid contract basis. The role involves managing tax compliance, preparing direct tax provisions, and liaising with HMRC for submissions.

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Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

A leading insurance firm based in London is seeking a Portfolio Analyst to support the Chief Information Security Office.This role involves managing the 2026 change portfolio, resource coordination, and financial reporting, ensuring alignment with security strategies.Ideal candidates will demonstrat

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

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Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

Direct Line Group (DLG) and has been helping motorists across the country since 1971. Direct Line Group is an equal opportunity employer and we celebrate diversity of background and thinking.

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Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people. Organisational Agility: Ability to manage competing deadlines and prioritise responsibilities to meet fast‑moving business needs.

Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

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At Direct Line, we’re committed to delivering fair, competitive pricing and outstanding customer experiences. Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

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Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.

A prominent insurance and assistance company in the UK is seeking individuals for a permanent roadside assistance role.You will be responsible for diagnosing issues and providing solutions for customers' vehicles, ensuring their return to the road safely.Ideal candidates will have a minimum of NVQ L

Here at Direct Line Group Auto Services, we genuinely care about what we do and aim to. Direct Line Group is an equal opportunity employer, and we think diversity of background and thinking is a big strength in our people.