Senior Risk Manager, Financial and Proposition Risk

Location: Stirling, United Kingdom. Flexible working arrangements may be considered.

Company

hirify.global is a UK-listed financial services provider combining asset management and insurance expertise across savings, investments and life products.

What you will do

• Provide second-line oversight and constructive challenge across product, proposition, insurance, ALM and connected financial risks.
• Review new product developments, material product changes, repricing proposals, lifecycle reviews and proposition governance materials.
• Challenge the effects of investment strategy, hedging, reinsurance and risk mitigation on product economics, ALM positions, customer outcomes and shareholder exposures.
• Oversee insurance risks including longevity, persistency, expense, underwriting and margin pricing risks.
• Lead or support thematic reviews, deep dives, assurance activity and risk reporting for senior governance committees.
• Engage with actuarial, finance, investment, product, legal, compliance and operational stakeholders.

Requirements

• Strong technical knowledge of UK life insurance, pensions, savings and retirement products, including with-profits, annuities, bulk purchase annuities, PruFund-style propositions and unit-linked business.
• Detailed knowledge of the UK financial services regulatory environment and Solvency UK requirements.
• Knowledge of insurance, market, pricing, reserving, modelling, capital, longevity, mortality, morbidity, persistency, expense, interest-rate, credit and liquidity risks.
• Working or detailed knowledge of strategic asset allocation, hedging, ALM, reinsurance, collateral management and risk appetite frameworks.
• Significant experience in life insurance, pensions, actuarial, product, financial risk, proposition risk, investment risk or a related second-line role.
• Relevant professional qualification or equivalent experience in actuarial, risk, investment or a related discipline.

Culture & Benefits

• Supportive and inclusive working environment with employee-led networks and development opportunities.
• Pension scheme of up to 18%.
• 38 days of annual leave including bank holidays, with the option to purchase up to five additional days.
• Paid parental leave and family support through the Inspiring Families policy.
• Private healthcare, critical illness cover and life assurance.
• Share Save, Share Incentive Plan and financial wellbeing support.