Risk and Assurance Manager

Together - loans, mortgages & finance; Cheadle; On-site; GBP 45,000 - 60,000; Full time

Benefits offered by this job

26 days holiday plus bank holidays

Free access to company holiday homes

Discretionary annual bonus

Matched pension contribution

Private medical insurance

Travel season ticket loans

Free local gym access

Job summary

Together - loans, mortgages & finance is seeking a Risk and Assurance Manager in Cheadle, England. In this role, you will support the Business Assurance Director in developing a robust risk and assurance framework. Your responsibilities include managing risk issues, performing data quality checks, and ensuring compliance with procedures. The ideal candidate will have a strong background in operational risk or audit, excellent analytical skills, and the aptitude to communicate effectively at all levels. A proactive approach to risk management is essential.

Qualifications

• Strong background in operational risk, assurance, or audit.
• Experience in identifying risks, completing control testing, and managing incidents.
• Ability to influence and communicate with senior stakeholders.

Responsibilities

• Contribute to the development of the risk management framework.
• Challenge risk owners to identify and manage risks effectively.
• Lead incident management and report trends to management.
• Prepare risk and assurance reporting for governance forums.

Skills

Operational risk management

Analytical skills

Communication skills

Detail-oriented

Education

Relevant professional qualifications

Job description

Company Description

Charles Street Finance ("CSF") is a specialist secured lender based in Cheadle, South Manchester. Established in 1983, we’re a small team but have doubled the size of the loan book over 2 years such that we are seeking to grow and enhance the existing personnel in key areas to further facilitate our ambitions.

We are all about a common‑sense proposition built around attention to detail and speed of response whilst always putting the customer at the heart of everything we do.

A can‑do approach fuels our speed of response from enquiry through to payment. Honesty and integrity are fundamental principles across the customer journey and the many long‑standing relationships we have cultivated are testament to our service levels and reliability.

Benefits of working at Charles Street

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

Job Description

As a Risk and Assurance Manager, you will support the Business Assurance Director in delivering a robust risk and assurance framework. You'll play a hands on role in risk management, incident management, data quality and assurance activity.

You will have the responsibility for identifying, assessing, and ensuring timely resolution of risk issues, including direct intervention if required. The business is responsible for managing their own risks, but you will provide targeted support where necessary.

Responsibilities

• Contribute towards the ongoing development of the risk management framework, including the maintenance and periodic review of policies, procedures and process maps
• Challenge and support risk owners to identify, assess and manage risks well, ensuring risks and controls are clearly documented on Risk and Control self assessments
• Deliver assurance reviews to test adherence to procedures and the effectiveness of key controls, identify exceptions and monitor suitable fixes
• Lead incident management: capture events, identify root causes, track corrective actions and report trends to management
• Perform focused data quality checks to identify and remediate issues across lending, servicing and operational datasets
• Help prepare clear, insightful risk and assurance reporting for management and governance forums, including dashboards, control updates and key risk indicators
• Summarise findings / lessons learned and input into feedback sessions
• Promote a proactive and transparent risk culture whilst promoting continuous improvement

Qualifications

Essential

• Strong background in operational risk / assurance / audit
• Experience identifying risks and controls, completing control testing, updating RCSA's, managing incidents and documenting procedures
• Ability to influence, challenge and communicate effectively at all levels, including senior stakeholders
• Good analytical skills with the ability to interpret data and produce meaningful insights
• Highly organised, detail‑orientated and comfortable managing multiple priorities

Desirable

• Understanding of mortgage lending and asset‑backed securitisation
• Relevant professional qualifications
• Knowledge of credit risk processes, underwriting, collections and portfolio monitoring

Additional Information

Charles Street 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.

If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.

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