Risk Analyst

Job Title: Risk Analyst - Specialist Lending

Location: Watford

Full Time

The Opportunity

This role is suited to a hands-on risk professional who enjoys translating complex risk information into clear, practical actions.

You’ll take ownership of an enterprise-wide risk framework within a growing specialist finance group, helping leadership teams understand risk exposure, strengthen controls, and make better decisions as the business scales.

The position offers genuine visibility, stakeholder interaction, and the chance to shape how risk is embedded across the organisation, rather than simply reporting on it.

What You’ll Be Responsible For

• Own and evolve the group’s risk framework, including risk registers and RCSA processes, ensuring regular review cycles and continuous improvement
• Identify, assess, and track current and emerging risks across multiple business areas, highlighting material exposures and control gaps
• Analyse risk incidents, operational losses, compliance issues, KRIs, and near misses to assess control effectiveness and emerging trends
• Quantify the financial and operational impact of risk events and support post-incident reviews
• Produce clear, decision-focused risk reporting for senior management and governance forums, highlighting changes in risk profile and control performance
• Support assurance activity and targeted deep-dive reviews, identifying root causes and providing pragmatic, actionable recommendations
• Maintain and enhance risk policies, procedures, and documentation to ensure consistency and regulatory alignment
• Monitor external regulatory and industry developments and assess their relevance to the organisation’s risk profile
• Provide practical guidance to stakeholders across enterprise risk disciplines, supporting better risk ownership and accountability
• Deliver training and ongoing support to risk owners to ensure consistent use of risk tools, methodologies, and frameworks

Skills & Experience

• Strong analytical capability with the ability to convert data into concise, senior-level insight
• Confident written and verbal communicator, comfortable engaging with senior stakeholders and committees
• Proven ability to influence, challenge constructively, and build trusted relationships across the business
• Experience supporting assurance reviews, investigations, or thematic risk assessments
• Comfortable working with risk systems, dashboards, KRIs, and MI, alongside strong MS Office skills

Knowledge & Qualifications

• At least 3 years’ experience in a risk role within financial services or a regulated environment
• Solid understanding of enterprise risk management principles (e.g. ISO 31000), including risk assessment and quantification
• Hands-on experience designing, maintaining, or improving risk registers, RCSA cycles, and risk policies

Personal Characteristics

• Proactive, solutions-oriented, and commercially minded
• Highly organised with strong attention to detail
• Comfortable working independently while collaborating effectively with others
• Calm, pragmatic, and confident exercising sound judgment under pressure

Why This Role?

You’ll be joining a fast-growing specialist finance group where risk plays a meaningful role in enabling growth—not slowing it down. The role offers exposure across multiple business lines, real influence over decision-making, and the opportunity to build a strong, long-term career in risk within a supportive and forward-thinking environment.