Business Unit: Unsecured Lending
Location: Hybrid with regular to travel to our Chester hub
Contract type : Permanent
You’ll be part of a team of established risk professionals, who play a key role in ensuring our products remain compliant, fair and customer-focused throughout the product lifecycle. You’ll have deep credit card knowledge, and will bring your regulatory expertise so our products align with regulatory expectations and deliver value for our customers. The role requires extensive experience in first-line risk and compliance oversight within the UK credit card sector.
Act as a key risk and compliance specialist, ensuring credit card products operate within UK regulatory frameworks (FCA Consumer Duty, CONC, PSD2, GDPR).
Championing the needs of customers and the Consumer Duty agenda, evidencing great communication skills so you become a recognised expert in your field and a key ‘go to’ point for colleagues around the business who need to be engaged in the Existing Unsecured Lending agenda.
Understand the ongoing performance of the Unsecured Lending business. Extensive experience in first-line risk and compliance oversight within the UK credit card sector.
Experience in product governance and oversight within a regulated financial services environment, focus on credit cards.
Analytical mindset with the ability to assess risk impact and implement effective controls.
Detailed and up to date knowledge of UK financial markets.
It’s a bonus if you have but not essential
Degree in Business, Finance, Risk, or a related field (or equivalent experience).
Relevant risk, compliance, or financial services qualifications (e.g., Generous holidays - 38.5 days annual leave (including bank holidays and prorated if part-time) plus the option to buy more.
~ Up to five extra paid well-being days per year.
~20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.
~ Market-leading pension.
~ Free private medical cover, income protection and life assurance.
~ Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness.
We're all about helping you Live a Life More Virgin, so happy to talk flexible working with you.
We’re making great strides towards achieving our ambition of becoming the UK’s best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we’re a workforce to be reckoned with, and we're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team careers@virginmoney.It’s important to note that there may be occasions where it’s not possible to interview all candidates declaring a disability who meet the essential criteria for the job. Now the legal bit
These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks – we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.