Chief Risk Officer (UK P&C)

Overview

In this role you will provide independent risk oversight for UK P&C while steering the UK Risk Change program. You will partner with senior leaders to ensure risk decisions align with appetite, regulatory expectations, and the Risk Management Framework. You’ll shape reporting, data insights, and governance to support board-level discussions and risk-informed outcomes. The position combines strategic risk leadership with transformation to make the UK Risk function more data-driven and technology-enabled. You will report to the UK CRO and contribute to the UK Risk Leadership Team, with flexible working options.

Pay / Benefits

• flexible hours
• hybrid/flexible working arrangements
• inclusive culture
• wellbeing support
• volunteering and community involvement
• opportunity to shape risk strategy

Responsibilities

• Provide independent oversight, challenge and insight across UK P&C aligned with risk appetite and regulatory requirements
• Lead strategic risk engagement with P&C leadership to inform performance, growth, outsourcing and emerging risks
• Deliver forward-looking risk insights and thematic analysis for Executive, Board and Risk Committee
• Develop CRO reporting and management information with data-driven insights
• Oversee deep dives into key risk themes and risk opinions for strategic initiatives
• Support identification, assessment, monitoring and management of risks across UK P&C
• Promote a strong risk culture through stakeholder engagement and clear risk advice
• Ensure effective governance forums and high-quality reporting to Executive committees
• Maintain relationships with internal stakeholders, Group Risk Management and regulators
• Lead delivery of UK Risk Change programme and operating model improvements
• Establish a Reporting, Data and AI Hub to enhance risk reporting and data-driven assurance
• Accelerate use of AI, automation and digital tools across reporting, assurance and knowledge management
• Enhance risk insight capabilities across Life and P&C, and drive simplification and transparency

Key requirements

• Senior leadership experience in financial services, insurance or regulated environment
• Strong understanding of insurance risk management frameworks, governance and regulatory expectations
• Proven ability to provide independent oversight and advice to senior management and Boards
• Track record in transformation, change or operating model initiatives
• Experience influencing senior stakeholders and driving outcomes across complex organisations
• Knowledge of operational, conduct, strategic and financial risk disciplines
• Experience developing risk reporting and insight-led decision support
• History of building high-performing teams and leading organisational change

• Excellent communication and stakeholder management
• Credibility operating with Executive and Board-level audiences
• Curiosity and continuous improvement mindset
• Data analytics and reporting
• AI and automation in risk contexts
• Risk management information and governance tooling

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