Senior Credit Analyst The role You will help shape lending decisions across consumer portfolios, owning strategies and improving performance. This is a hands-on role focused on driving decisions and outcomes, not just reporting. Key responsibilities Develop and optimise credit strategies across the customer lifecycle Investigate portfolio trends, risks and opportunities Recommend and implement data-driven changes to improve outcomes Support new lending initiatives Present clear analysis and recommendations to senior stakeholders Use SQL, Python, SAS or similar tools to solve problems and automate processes Work with Decision Scientists to get the most from predictive models Support junior analysts Collaborate with teams across the business About you Degree (or equivalent experience) in a quantitative subject Substantial experience in credit risk strategy, portfolio analytics or decision science Experience developing credit strategies in consumer lending Good understanding of portfolio management and underwriting Experience with credit reference agency data and decisioning systems Strong SQL skills, with experience in SAS, Python or similar tools Ability to influence senior stakeholders with insight Strong analytical and problem-solving skills

Senior Credit Analyst The role You will help shape lending decisions across consumer portfolios, owning strategies and improving performance. This is a hands-on role focused on driving decisions and outcomes, not just reporting. Key responsibilities Develop and optimise credit strategies across the customer lifecycle Investigate portfolio trends, risks and opportunities Recommend and implement data-driven changes to improve outcomes Support new lending initiatives Present clear analysis and recommendations to senior stakeholders Use SQL, Python, SAS or similar tools to solve problems and automate processes Work with Decision Scientists to get the most from predictive models Support junior analysts Collaborate with teams across the business About you Degree (or equivalent experience) in a quantitative subject Substantial experience in credit risk strategy, portfolio analytics or decision science Experience developing credit strategies in consumer lending Good understanding of portfolio management and underwriting Experience with credit reference agency data and decisioning systems Strong SQL skills, with experience in SAS, Python or similar tools Ability to influence senior stakeholders with insight Strong analytical and problem-solving skills

Senior Decision Scientist (SME & Consumer) Birmingham Hybrid    About our client Our client is one of the fastest growing UK lenders with a data-led approach to decision making.   The role You will lead the development and implementation of credit decisioning models, owning the full model lifecycle from problem definition through to deployment and monitoring. Working with colleagues across the business, you will help improve the quality, speed and effectiveness of lending decisions.   Key responsibilities Develop and deploy machine learning and statistical models covering credit risk, affordability and pricing Own the end-to-end modelling lifecycle, from data preparation through to deployment and monitoring Build monitoring frameworks and dashboards to assess model performance Explore new data sources, challenger models and experimentation techniques Translate analytical outputs into clear, actionable insights Work with Risk, Product and Technology teams to embed models into lending processes About you Strong experience developing machine learning models within lending Proficiency in Python and SQL Proven experience owning the full model development lifecycle Experience in an automated credit decisioning environment Good understanding of UK credit risk principles and regulatory requirements Ability to communicate technical concepts clearly to technical and commercial audiences Desirable: experience in model governance and validation.

Job Title: Head of Risk Reporting to: Chief Risk Officer and dotted-line to Chief Financial Officer Location: JOH Hybrid (1 day in the office) Department: Risk Job Level: 1 Main Objective: The purpose of the role is to lead the in-house Risk function at Personal Group, ensuring effectiveness of the Group’s Risk Management System. The role enables the Chief Risk Officer (CRO) to discharge SMF4 responsibilities and provides clear, proportionate second line oversight across enterprise, prudential, operational and financial reporting risks. The role holder manages the in-house Risk Manager (operational risk focused), collaborates closely with Finance, and works in partnership with the senior manager responsible for Compliance. The role reports to the CRO with a dotted reporting line to the CFO for non-regulatory Risk matters. Knowledge, experience and qualifications required in the role: • Broad risk knowledge, gained through experience operating at a senior management level within a regulated environment (financial services/general insurance experience would be preferable but is not essential). OR Strong insurance risk management experience with deep knowledge of Solvency II, prudential risk and ORSA. • Extensive senior risk experience, covering both financial and non-financial risks, with demonstrated ability to build, enhance and embed risk frameworks and policies. • Experience of analysing information and data, identifying trends and recommending action/solutions. • Experience partnering with Finance on controls, reporting and prudential processes. • Experience with operational resilience, cyber and information security oversight (highly desirable) • Understanding of actuarial concepts, financial reporting or capital modelling (desirable) • Background in scaling, uplifting or maturing Risk Management Framework in developing environments (desirable). • Previous experience in operational areas (not solely in risk roles) (desirable). • Degree educated or equivalent through experience Skills and Personal Characteristics required in the role: • Strong stakeholder management expertise, with the proven ability to challenge and influence at all levels. • Influential and creative thinker, confident to propose and debate solutions with senior stakeholders. • Strong analytical and problem-solving skills, with experience of analysing information and data, identifying trends, actions & solutions. • Excellent written, verbal and presentation skills & to be able to effectively communicate at all levels within the business. • Resilient and versatile, with the ability to adapt quickly to the changing needs of a rapidly developing business. • Ability to perform well under pressure and manage conflicting priorities. • High moral standards and commitment to both Company values and regulatory guidance with the selfconfidence to follow through. Management Responsibilities: Line Management of the Risk team, ensuring: • The departmental objectives are reflected in individual objectives set. • Work performance is reviewed regularly, and feedback given during 1 2 1’s. • Individuals are managed in terms of performance, conduct and attendance as required. • Team members receive continuous professional development, ensuring skills or knowledge gaps are identified and ongoing training is provided. • Team members adhere to mandatory and professional training requirements. • Team members are motivated and engaged. • The team are delivering a proactive, value add service to the business. Responsibilities and accountabilities within the role: 1. Risk Management System Leadership • Lead the design, implementation and operation of the firm’s Risk Management System, ensuring risks are systematically identified, assessed, monitored, and managed. • Maintain and further develop the Risk Management Framework (RMF), including strategy, policies, risk processes, and reporting standards. • Embed risk management across the organisation, ensuring alignment from operational to strategic levels. 2. Risk Appetite, Policies & Governance • Maintain, review and enhance the Risk Policy and associated c.20 sub policies under an agreed governance cycle. • Ensure risk appetite, limits, tolerances and escalation routes are clearly articulated, well understood, and consistently applied. • Provide robust second line challenge to first-line risk owners, including ongoing monitoring of emerging risks. • Drive strong governance by ensuring policies are proportionate, aligned with business needs and compliant with regulatory expectations. 3. Prudential Risk & ORSA Oversight • Support the CRO in leading the ORSA process, ensuring high quality inputs, stress tests, scenarios, documentation and clear linkage to strategy. • Strengthen prudential risk insight by monitoring capital drivers, solvency developments and exposure to regulatory change (e.g., PRA CPs, supervisory statements, thematic letters). • Oversee delivery of prudential regulatory projects (e.g., climate impact assessments, solvent exit analysis). • Promote alignment between ORSA outputs, management actions and solvency-related decision making. 4. Finance & Financial Reporting Risk Oversight • Provide independent second line oversight of Finance, including risks related to financial reporting, controls and regulatory submissions. • Support the development, embedding and ongoing evaluation of the Financial Reporting Control Framework (FRCF) across GAAP, IFRS, Solvency II and other reporting streams. • Coordinate with Finance on SCR calculations, QRTs, SFCR, and other prudential reporting outputs. 5. Operational Risk & Business Resilience • Supervise the Risk Manager across operational risk management activities, including risk assessments, event capture, KRIs and thematic reviews. • Oversee development and maturation of Business Resilience, Information Security, and cyber risk frameworks. • Ensure readiness for evolving requirements such as PRA CP17/24 on Operational Resilience, including third party and technology risk exposures. 6. Risk Reporting & Board Support • Deliver clear, independent, forward looking risk reporting to senior management, the Risk & Compliance Committee (RCC), and the Board via the CRO. • Ensure high-quality reporting flow, consistency across governance fora, and clear articulation of risk insights, emerging issues and trends. 7. Compliance Integration • Work closely with the Head of Compliance & General Counsel (SMF16) to ensure coordinated oversight of risk and compliance agendas, including shared themes, joint issues, and aligned governance expectations. 8. Third-Line & External Stakeholder Interaction • Support Internal Audit with risk based input into planning, audit execution and response management. • Contribute to regulatory interactions, information requests and supervisory engagement as directed by the CRO. • Provide risk oversight of technical actuarial areas where appropriate (e.g., technical provisions, underwriting, reinsurance). 9. Ongoing Enterprise Wide Responsibilities • Maintain and evolve risk assessments, registers, KRIs and thematic reviews. • Provide strategic risk insights to the CRO and Board. • Strengthen risk culture, first line accountability and cross functional collaboration. • Maintain ongoing development of operational risk and resilience frameworks. • Ensure second-line challenge relating to actuarial independence, governance boundaries and control environments. • Chair the senior leadership team quarterly Risk Forum in those quarters that the CRO does not attend, ensuring current and emerging business and operational risks are reviewed and discussed, and appropriate mitigating controls and actions are agreed and documented. • Ensure compliance with employment legislation, FCA principles, Consumer Duty, “Treating Customers Fairly” (TCF) & other relevant legislative requirements. People Management: Y Line management of the Risk team Budget Management: N

MLRO – International Payments A growing international money transfer business wants an experienced MLRO to own financial crime compliance for its UK-regulated entity. This is a standalone, senior role reporting to the CFO, with direct exposure to the CEO and Board. ResponsibilitiesAct as nominated MLRO and primary FCA contact on financial crimeManage the internal SAR process, NCA submissions (including DAML) and law enforcement requestsOwn the firm-wide risk assessment and AML/CTF, Sanctions, PEP and ABC policiesSet KYC/CDD/EDD standards and approve high-risk and PEP relationshipsOversee sanctions screening, transaction monitoring and fraud controlsProduce the Annual MLRO Report and regular Board reportingDeliver AML training and run assurance reviewsRequirementsMLRO or Deputy MLRO experience, ideally in payments, remittance, e-money or fintech5+ years in a senior UK compliance roleInternational experience essential; African markets exposure a plusCommercially minded, collaborative and comfortable working autonomously

Director of Finance and Tax Broadgate’s client is a high-growth, top-tier global venture capital firm backing category-defining technology businesses across major international hubs. In an exciting, newly created role to support the firm’s rapid European expansion, they are seeking a Director of Finance and Tax to take full ownership of tax strategy, fund administration, and financial oversight across all German entities.ResponsibilitiesOversee comprehensive German tax compliance and regulatory filings across all domestic management entities and operating vehicles.Lead relationships with external tax advisers and auditors, ensuring timely, accurate submission of corporate tax returns and statutory accounts.Direct end-to-end fund administration across German fund vehicles, including fund accounting, capital call execution, investor distributions, and portfolio valuations.Manage LP communications and investor reporting, acting as the primary point of contact for tax queries, reporting requests, and fund operations.Organize and prepare materials for advisory board meetings and LPAC sessions.Administer carried interest schemes, tracking allocations and processing carry distributions in accordance with fund documentation.Provide guidance on cross-border employment tax considerations for local personnel operating within global organizational frameworks.Essential ExperienceMinimum 5 years of experience in German tax within VC/PE, asset management, or top-tier professional advisory.Formal tax qualification (Steuerberater) or equivalent experience owning German tax compliance for regulated financial structures.Proven experience in a regulated financial institution, ideally working with private clients Experience in Deal Tax and Corporate tax

File Checker - Business QualityA leading UK financial advice network is looking for a Business Quality Adviser to join its Supervision & Assurance team, reviewing advice files to make sure clients get good outcomes.What you'll doCarry out pre- and post-sale file reviews across Investments, Pensions, Mortgages and InsuranceAssess suitability, affordability, capacity for loss, risk profiling and disclosure against COBS, MCOB, ICOBS, PROD and Consumer DutyGive clear, constructive feedback to advisers and support them in raising standardsRun root cause analysis on failed or at-risk cases and help improve controls and guidanceContribute to thematic reviews (e.g. retirement advice, DB transfers, vulnerable customers)What you'll needExperience in quality assurance or paraplanning within a financial advice firmStrong knowledge of FCA rules, Consumer Duty and vulnerable customer guidanceLevel 4 Diploma (DipPFS, DipFA or equivalent)

File Checker - Business Quality A leading UK financial advice network is looking for a Business Quality Adviser to join its Supervision & Assurance team, reviewing advice files to make sure clients get good outcomes. What you'll doCarry out pre- and post-sale file reviews across Investments, Pensions, Mortgages and InsuranceAssess suitability, affordability, capacity for loss, risk profiling and disclosure against COBS, MCOB, ICOBS, PROD and Consumer DutyGive clear, constructive feedback to advisers and support them in raising standardsRun root cause analysis on failed or at-risk cases and help improve controls and guidanceContribute to thematic reviews (e.g. retirement advice, DB transfers, vulnerable customers)What you'll needExperience in quality assurance or paraplanning within a financial advice firmStrong knowledge of FCA rules, Consumer Duty and vulnerable customer guidanceLevel 4 Diploma (DipPFS, DipFA or equivalent)