Enterprise Risk & Governance Manager

• Strategic & Operational Risk Management
• Lead and support the FVA process, ensuring it is robust, repeatable, auditable and available for regulatory review.
• Provide independent Line 2 oversight and challenge over HCUK decision governance and key commercial risks, ensuring alignment to HCUK risk appetite and governance expectations.
• Assess, monitor and report on risk and control performance across assigned business areas (including Commercial and decision-making forums), escalating material issues and emerging risks.
• Maintain accurate and up-to-date registers and repositories relevant to the role (e.g., decision log / repository oversight artefacts, FVA documentation and risk and control registers where applicable).
• Identify, assess and test key controls and governance standards within scope, performing quality assurance reviews and thematic assurance where required.
• Drive a strong risk, control and governance culture through proactive engagement, challenge and support to Line 1 stakeholders.
• Support and deliver risk-related, conduct and governance projects, including in-year reviews triggered by product or commercial change.
• Technical knowledge
• Refine and improve relevant Enterprise Risk Management (ERM) frameworks, templates, procedures, KPIs / metrics and operational processes within FVA, decision governance and Line 2 oversight.
• Act as a subject matter expert and point of contact on FVA process requirements, decision record standards and Line 2 oversight expectations.
• Communication and Reporting
• Develop and produce management information (MI), dashboards and committee documentation covering FVA outcomes, decision governance quality, commercial risk themes and key control indicators.
• Attend Pricing Committee and Dealer Oversight Forum (DOF) as ERM lead, representing function, ensure matters handled in line with agreed governance and raise concerns / issues as they arise.
• In conjunction with other members of ERM and wider Risk Department, attend Operational Risk Committee (ORC) and Conduct Risk Committee (CoRC) focused on compliance with operational controls.
• Support relevant governance forums by preparing packs, papers and action trackers and by ensuring decisions and outcomes are consistently recorded.
• Maintain effective communication with HCUK departments, internal auditors, OEM partners, SCUK teams and Hyundai Capital Services as required for coordinated oversight.
• Provide clear, proportionate challenge and guidance to stakeholders on governance standards, evidence requirements and remediation expectations.
• Outsourced Oversight
• Support oversight, control testing and performance monitoring of outsourced activities and related processes where they impact fair value, customer outcomes or material commercial/decision risks.
• Review KPI / SLA performance and associated risk and control evidence where required, escalating issues and tracking remediation actions.
• Insight and continuous improvement
• Contribute to effectiveness reviews of FVA, decision governance and commercial oversight activities, identifying root causes of recurring issues and control weaknesses.
• Recommend and support pragmatic improvements to strengthen governance, compliance, documentation quality and risk mitigation.
• Identify themes and trends from MI, Quality Assurance (QA) reviews, incidents and audit findings, and convert these into actionable insights for stakeholders and committees.
• Risk and Compliance
• Identify risks, incidents, breaches and control weaknesses within scope, ensuring timely escalation, appropriate investigation and robust remediation tracking.
• Support oversight of operational and conduct risk, ensuring alignment with FCA expectations, Consumer Duty requirements and HCUK ERM approach.
• Ensure customer outcomes and potential harms are considered and evidenced within FVA assessments, decision records and governance submissions
• Other
• Deputise for the Head of Enterprise Risk, as required.
• Undertake additional duties as may reasonably be requested.
• Planning

Able to develop operational and project level plans, with strong organisational skills.

• Communication

Effective written and verbal communication; able to influence and present to senior stakeholders.

• Teamwork

Strong collaboration and relationship-building skills.

• Analytical skills

Ability to analyse data, processes, and controls.

• Time Management

Able to prioritise across multiple workstreams.

Given the scope of this position, it is essential that the job holder has the following:

• Strong understanding of conduct risk, customer outcomes and product governance
• Experience within automotive finance preferred but not essential
• Experience designing and embedding governance or assessment-based processes
• Proven ability to run complex cross-functional processes without a formal project structure
• Strong stakeholder management skills, including effective senior-level challenge
• Comfortable working with management information, judgement-based assessments and narrative evidence
• Able to produce clear, structured, audit-ready governance documentation
• Confident engaging with committees and senior management
• Has the appropriate level of education and preferably qualified or part-qualified or studying towards a recognised risk management qualification.
• HCUK employees are currently hybrid working [mixture of home/ office]. HCUK’s head office is in Reigate, Surrey. A minimum of two office days per week is required.
• Competitive base salary depending upon expertise, range of £60,000 - £70,000
• Eligibility for annual bonus, up to 15%
• 30 days holiday per annum plus bank holidays, with flexible holiday options and additional leave after five years.
• Company pension scheme with generous employer contributions.
• Cash car allowance of £6,000
• Company sponsored individual private medical insurance
• Additional family, lifestyle and health-related benefits, including death in service, income protection, discounted voluntary healthcare plans, employee car scheme, employee assistance program, and enhanced family-friendly policies.
• Click here for more details of our company benefits.