Capital & Liquidity Risk Manager
1d ago

Our Story We’re empowering people to FeelGood about their money.We’ve been on this journey since 2004, when we built the first ever peer-to-peer lending company to give people access to simpler, better-value loans and investments.

When it comes to money, we think everyone deserves a fair deal, so since we launched, we’ve helped hundreds of thousands of customers to take the stress out of money by building our business on honesty, transparency and trust.

Our journey’s always evolving, and we’ve just launched a bank. But a different type of bank one that empowers its customers to take control of their finances and FeelGood about their money.

If you embrace being challenged beyond the norm, aren’t afraid to think differently and are motivated by working somewhere you can really make an impact, you’ll love life here at Zopa.

We're looking for an experienced Risk or Treasury manager to join our team and provide our 2nd Line of Defence oversight for liquidity and capital risks on a part time basis (for 3-4 days per week).

The successful candidate will be part of our Risk function and will provide expert independent oversight of liquidity and capital risks arising from the activities of Zopa Bank, working closely with Treasury and Finance but maintaining an independent and questioning mind set to ensure that those functions are appropriately addressing key risks to the Bank.

A day in the life :

  • Ensure the Bank’s Capital and Liquidity Risk framework is clearly established and documented via policies and standards that are agreed, well understood and embedded in business activity
  • Contribute to the development of the Bank’s risk appetite for capital, liquidity and other components of financial risk
  • Provide independent oversight and input on the Bank’s ILAAP, ICAAP and other regulatory documents
  • Review Treasury and Finance reporting and interpretations providing independent assessment of appropriateness and accuracy
  • Review adequacy of Treasury and Finance reporting and monitoring of capital, liquidity and interest rate risk and provide reporting to ALCO, the Risk Management Committee and the Board Risk Committee where appropriate
  • Maintain knowledge and awareness of regulatory and business changes and ensure processes capture future regulatory and business developments
  • Provide 2nd line oversight to ensure process risks and controls are being appropriately identified and monitored by the 1st line, and that there is sufficient segregation of duty in cash management and Treasury processes
  • About you :

  • You have experience as a Risk manager or Treasury professional with an understanding of the retail banking sector and products and with experience in a role specifically focused on liquidity or capital risk
  • You've got technical understanding of capital, liquidity, IRRBB and other financial risks
  • You have previously been involved in the ILAAP and / or ICAAP development
  • You're a team player with good collaboration skills and able to work closely with other finance and business areas, product and technology teams in a flexible way
  • You've got excellent oral and written communication skills with the ability to summarise complex regulatory concepts in a clear and concise way to senior stakeholders
  • You have strong analytical and intellectual skills you're able to engage with complex ideas and initiatives and to come up with clear recommendations and course of actions
  • LI-174686286 BM1 To thrive here, you’ll need to : Champion our customers . Whatever your role, you’ll be close to our customers.

    We care passionately about doing the best for them. Help us make fearless choices. Our environment is fast-paced, agile and open.

    You’ll solve interesting and challenging problems, and be trusted and empowered to bring your ideas to life. Walk the talk.

    Like us, you’ll be honest, stick to your promises and face the tough moments head-on. Win smarter. You’ll be always on the lookout for a better way of doing things, going beyond good enough’ and welcoming different points of view.

    Be in it together. You’ll join an ambitious, diverse and all-round approachable team with a mix of ideas and talents who inspire each other to be better every day.

    Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to great products and unique company culture.

    We simply can’t expect to empower our customers to better manage their money without challenging the current status quo.

    Creating the best place for money is no easy task, which is why we need talent from all walks of life.

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