Job Details Pinnacle Pet Group are looking for a Risk Manager to join the business at Pinnacle Pet UK (this includes Pinnacle Insurance PLC (PIC), and Pinnacle Insurance Management Services (PIMS); referred to as Pinnacle Pet UK from here on) with broader risk engagement across Pinnacle Pet Group (PPG) entities. Reporting to the Chief Risk Officer, you will support the investigation, analysis and assessment of risk, and the design and implementation of strategies and processes to mitigate threats to the successful delivery of the organisation's corporate and business plans. PPG operates under and Enterprise Risk Management (ERM) approach to risk management. The role is a Second Line position and provides oversight of and independent challenge to the risk assessments undertaken by the First Line of Defence. The role will involve supporting the business in developing and maintaining the Enterprise Risk Management (ERM) framework as well as being part of a small team of risk professionals undertaking day-to-day risk management activities. In addition, the role will include liaising with the risk managers from other Group entities to ensure alignment of processes and practices. The jobholder supports the investigation, analysis and assessment of risk, and the design and implementation of strategies and processes to mitigate threats to the successful delivery of the Companys business plans and desired outcomes. Key Responsibilities Framework - Support the development and maintenance of a risk oversight and assurance framework ensuring it is appropriately aligned to the Companys operating model. Supporting the development, application and maintenance of the 2 nd line of defense across the Company through areas of direct control (Risk) and indirectly through other 2 nd line of defense activities and resources. Continuously challenge and improve the design, process and application of the ERM framework across the Company, seeking to challenge the status quo and improve the analysis and reporting of all non-financial risk (operational, regulatory, change, 3 rd party and data) at all levels. Support the production and maintenance of risk management policies required for continuous risk management, including non-financial risk management. Supporting the development of the non-financial risk appetite framework and contributing to the definition and documentation of the annual Risk Appetite Statement and risk tolerance limits for all non-financial risks. Risk Management - Oversee the delivery of regular risk assessments and preparation of all documentation related to risk assessments. Using risk management tools and involvement in the work of committees and forums, review the identified risks and their assessment and advise on the adequacy of the actions in place or anticipated to address such risks. Oversee the delivery of regular risk assessments and preparation of all documentation related to risk assessment, including the Risk & Control Registers, Risk & Control Self-Assessment (RCSA), process level risk assessments (e.g., change, project, product), Regulatory risk and Incident Management & Reporting. Responsible for the management of the Risk Taxonomy and associated ERM risk register by challenging the content, identifying, and assessing risks and incorporating key risk indicators. Ensure consistency of the ERM risk register with wider business policies and procedures. Manage Risk projects as they arise e.g. implementation of process efficiencies and implementation of a Risk Tool. Control effectiveness and testing - Establish a control assessment framework, control library and assessment process. Maintain a high quality, effective and risk based control testing process. Regularly review control activities to identify gaps and propose pragmatic required enhancements. Enable a regular assessment and certification of controls and application of a 2LoD challenge and review. Communication and Reporting - Design and continuously improve high quality Risk reporting with actionable insight. Support the delivery of the annual Own Risk Self-Assessment (ORSA) Report. Ensure accurate, clear, and concise reporting of appropriate risk management information to the Board, Executive and other relevant stakeholders to demonstrate that risk is being managed effectively across the business and to support informed decision-making. Manage a series of senior business stakeholders over the quarterly reporting cycle to identify and resolve risks relevant to the operation of the business. Perform deep dive reviews with the business to identify the root cause of significant operational incidents, identify control failings and agree suitable mitigation to prevent future reoccurrence. Monitor internal and external developments (e.g. regulatory, economy of market environment) against the risk profile so as to identify possible changes or emerging risks and ensure there is a suitable awareness, understanding and mitigation (where necessary) within the business. Design, development, and production of reporting for the Risk & Audit Committee and internal committees and forums. Support the business with awareness of risk management good practice and culture through development and delivery of training and educational materials. Continuous monitoring and reporting of the overall risk profile of the Company and compliance with the operational risk limits. Attend and provide input as required to several internal committees and forums. Track the completion of Internal Audit and assurance actions on behalf of the second and third lines of defence, including reporting to the respective committees and management forums. Culture - Drive a positive, continuous risk and control culture across the business. Act as a champion and source of professional risk expertise to the Company on the ERM Framework and policies, ensuring concepts, approaches and techniques are widely understood and embedded. Provide challenge, expert advice, and guidance to colleagues, collaborating with a wide variety of business stakeholders across the Company, delivering timely risk and control assessments to accurately reflect the businesses up-to-date risk landscape. Conduct - To act to deliver good outcomes for retail customers whilst delivering a higher standard of customer care andenabling consumers to make effective decisions in their interests. Successful Candidates Will Have Key skills Stakeholder management; Written and Verbal Reporting; Communication skills; Autonomous working; Management and development of Individuals; Planning and delivery of plans. Person Specification Required Skills and Work Experience Evidenced track record of operating at a management level. Deep understanding of enterprise wide risk management, with a focus on underwriting, market, credit and financial, and regulatory (PRA & FCA) risk. Extensive experience of working in Enterprise risk teams Experience of working in the Insurance Industry and / or Non-Life Insurance sector. Commercially pragmatic and focused on delivering value and an ability to deal with uncertainty. Team player with excellent written and verbal communication and interpersonal skills. Experience in identifying and implementing process improvements and efficiencies. Strong attention to detail and focus on completion of activities. Diligent, self-driven and organised, with excellent time management skills. Desired Insurance company experience (ideally personal lines) Highly collaborative. Able to navigate between themes / trends and detailed analysis. Excellent communicator and influencer across executive and management levels. Can make the complex simple and actionable. Coaching and developing for high performance individuals. Experience in managing a GRC tool. Required Qualifications Desired Recognised Risk Management qualification (e.g IRM, PRIMA) and / or a recognised professional qualification e.g., CII Dip, ACA, ACMA, ACCA, IIA, LLP