Credit Risk Manager jobs in United States

Ready to join a team that's leading the way in reshaping the future of insurance? Here at esure Group, we are on a mission to revolutionise insurance for good!

We’ve been providing Home and Motor Insurance since 2000, with over 2 million customers trusting us to keep them covered through our esure and Sheilas’ Wheels brands. With a bold commitment for digital innovation, we're transforming the way the industry operates and putting customers at the heart of everything we do. Having completed our recent multi-year digital transformation, we’re now leveraging advanced technology and data-driven insights alongside exceptional service, to deliver personalised experiences that meet our customers ever-changing needs today and in the future.

The Risk Manager provides second-line oversight of operational and financial risks across esure, ensuring the risk management framework is effectively embedded within the business. This includes supporting teams to identify, document, and manage their key risks and controls, while offering clear, objective advice and constructive challenge on risk-related issues. The role also ensures that key risk processes are well understood, consistently applied, and actively contribute to informed decision-making across the organisation.

What you’ll do:

• Support delivery of the ORSA process, including stress testing, scenario analysis, and emerging risks.
• Help define and maintain a fit-for-purpose risk appetite framework.
• Prepare annual and ad hoc ORSA reports for Board and committee review.
• Provide second-line risk oversight for Finance, Actuarial, Underwriting, Claims, Pricing, and Procurement functions.
• Lead stakeholder engagement and report key risks to executive-level committees.
• Monitor regulatory changes and embed new PRA requirements across the business.
• Conduct risk reviews, control assessments, and escalate issues with root cause analysis.
• Champion use of digital risk tools to support esure’s digital transformation strategy.
• Deliver ad hoc risk analysis, reports, and support for team projects and change initiatives.

What we’d love you to bring:

• Excellent written and verbal communication skills, tailored to diverse audiences.
• Strong customer focus with a proactive, solution-oriented approach.
• Proven ability to build relationships and effectively challenge first-line risk owners.
• Highly analytical with strong attention to detail and accuracy.
• Solid financial acumen and commercial awareness.
• Practical experience with Solvency II and the ORSA process.
• Understanding of risk quantification tools, models, and methodologies.
• Confident analysing data and producing clear, insightful reports.

What’s in it for you?:

• Competitive salary that reflects your skills, experience and potential.
• Discretionary bonus scheme that recognises your hard work and contributions to esure’s success.
• 25 days annual leave, plus 8 flexible days and the ability to buy and sell further holiday.
• Our flexible benefits platform is loaded with perks to choose from, so you can build a personal toolkit to support your health, wellbeing, lifestyle, and finances.
• Company funded private medical insurance for qualifying colleagues.
• Fantastic discounts on our insurance products! 50% off for yourself and spouse/partner and 10% off for direct family members.
• We’ll elevate your career with hands-on training, mentoring, access to our exclusive academies, regular career conversations, and expert partner resources.
• Driving good in the world couldn’t be more important to us. Our colleagues can use 2 volunteering days per year to support their local communities.
• Join our internal networks and communities to connect, learn, and share ideas with likeminded colleagues.
• We’re a proud supporter of the ABI’s ‘Make Flexible Work’ campaign and welcome you to ask about the flexibility you need. Our hybrid working approach also puts you in the driving seat of how and where you do your best work.

We are committed to creating an inclusive and diverse workplace where everyone feels valued, respected, and empowered. We celebrate individuality and create spaces where unique backgrounds and experiences can come together. We believe that diverse perspectives drive innovation, in turn enabling us to better serve our customers, community and build a stronger organisation. Our commitment to inclusion extends to every part of our business, from hiring practices to professional growth opportunities, ensuring equal access and support for all.