Senior Compliance Manager (Credit Risk Policy)

TL;DR

Senior Compliance Manager (Credit Risk Policy): Providing regulatory advice and guidance across credit risk and model governance to ensure fair customer outcomes within consumer financial services with an accent on FCA regulatory alignment. Focus on implementing Consumer Duty, overseeing credit risk strategies, and translating complex regulations into practical business solutions.

Location: Liverpool, England, United Kingdom

Company

hirify.global is the team behind the digital retailer Very, focused on helping families get more out of life.

What you will do

• Provide second-line oversight and challenge for credit risk strategies to ensure regulatory alignment and fair customer outcomes.
• Develop, review, and enhance credit risk and model governance policies, standards, and frameworks.
• Offer expert guidance on lending, affordability, and collections, with a specific focus on Consumer Duty.
• Review credit risk proposals and strategy changes through governance forums, ensuring adequate controls and monitoring.
• Monitor key risk themes such as persistent debt and long-term indebtedness to identify emerging risks.
• Conduct impact assessments and gap analyses to implement regulatory changes and improve the control environment.

Requirements

• Strong knowledge of FCA rules and regulations, including CONC and consumer credit requirements.
• Experience within a consumer credit environment, particularly in credit risk or model governance.
• Strong analytical capability to assess complex risk and regulatory issues with a methodical approach.
• Ability to confidently challenge stakeholders and translate regulation into business-focused solutions.
• Excellent communication skills to engage and influence both technical and non-technical teams.
• Must be based in or able to work from Liverpool, United Kingdom

Culture & Benefits

• High levels of flexibility and a wide range of perks and benefits.
• Inclusive environment with various colleague networks, including DAWN (Disability Awareness) and Think (Neurodiversity).
• Strong focus on continuous learning and career progression opportunities.
• Commitment to diversity, inclusion, and providing reasonable adjustments for all employees.

Hiring process

• Initial short introductory call with the talent acquisition team.
• First stage: 30-45 minute informal video call with the hiring team to discuss skills and experience.
• Second stage: One-hour formal face-to-face interview covering competency and technical skills.