MERJE Ltd

Senior Risk Manager - Digital, Technology & Transformation Salary: c.£85,000 + Benefits Hybrid - Remote with 1-2 on-site visits per month We are partnering with a leading UK general insurer undergoing significant digital and technology transformation. This is a senior, high-impact second line role operating directly alongside Technology leadership. You will provide robust oversight and credible challenge across digitisation, infrastructure evolution, cloud migration, legacy modernisation and operational resilience. This is not a passive role. It requires commercial judgement, technical credibility and the confidence to engage with the IT Director and peer group to challenge constructively while enabling progress. The organisation is investing heavily in digitisation and modernisation. As Senior Risk Manager, you will ensure that: Digital transformation is delivered within risk appetite Infrastructure and cloud strategies are controlled and resilient Legacy risks are clearly understood and actively managed Technology change is governed, visible and commercially aligned A key focus will be improving visibility and transparency of technology risk - ensuring leadership has clear, decision-ready insight into exposures, control effectiveness and residual risk. Key Responsibilities Technology Risk Oversight & Challenge Provide strong, independent second line challenge to Technology and Digital leadership Oversee major digitisation and transformation programmes Conduct deep dives into infrastructure, cloud and legacy risks Assess design and operating effectiveness of key technology controls Ensure incident and problem management themes are understood and addressed at root cause Digitisation & Infrastructure Visibility Drive improved visualisation and reporting of technology risk across the estate Ensure clear articulation of risk exposure across infrastructure, cloud and critical systems Support structured approaches to legacy de-risking and modernisation Enhance transparency of control ownership and accountability Governance & Risk Framework Embed a pragmatic, commercially aligned risk framework across Technology Lead RCSAs, thematic reviews and control testing across digital and infrastructure domains Define clear risk appetite metrics and KRIs for technology and operational resilience Ensure alignment with PRA/FCA expectations and relevant ISO/NIST standards Operational Resilience & Change Risk Oversee resilience across critical services and digital platforms Provide oversight of change governance in fast-moving technology programmes Ensure risk considerations are embedded early in design and delivery Executive & Board Engagement Translate complex technical exposures into clear commercial insight Deliver concise, decision-focused reporting to senior leadership and Board Act as a trusted but challenging advisor to IT and Digital Directors Balance enablement of innovation with disciplined governance Experience & Profile We are seeking a technically credible risk leader who can operate confidently with senior Technology stakeholders. You will bring: Strong second line experience within UK general insurance or a regulated environment Deep understanding of enterprise risk tools (RCSAs, KRIs, control frameworks) Experience overseeing infrastructure, cloud, digitisation and legacy transformation risk Knowledge of PRA/FCA regulatory expectations and operational resilience requirements Familiarity with ISO 27001, NIST and related control frameworks Ability to challenge

Decision Systems Lead Up to £60K Once a week in Manchester/ London The Decision Systems Lead will be responsible for oversight and delivery of decision systems strategy configuration used within the business to drive and achieve positive outcomes for customers, partners, and the company. This role involves working in a dynamic, fast-paced environment, delivering significant change and book of work. Key Responsibilities: Lead the credit decisioning strategy deliveries to optimize customer, product, credit risk management, fraud prevention, customer acquisition, and retention. In-depth knowledge and hands-on experience with decisioning platforms, overseeing end to end change/delivery lifecycle i.e. the design, testing, and deployment of decision rules, scorecards, and strategies. Collaborate with wider technical teams to optimize the customer experience as part of new and existing customer decisioning. Develop monitoring and tracking for decisioning platform i.e. key risk indicators (KRIs) to reduce latency and ensure decisioning aligns with the company's risk appetite. Engage with key stakeholders to present insights and drive strategic decisions. Facilitate the delivery of new business and existing customer strategies, incorporating long-term aspirations within the decision system designs. Design decision waterfalls to capture exceptions and leaks within logic and create monitoring of decision flows. Key Requirements: Proven experience maintaining and configuring decisioning systems/platforms in credit cards or consumer finance. Strong understanding of credit risk, fraud prevention, KYC compliance and underwriting. Experience with Zoral or similar platforms (Powercurve, TRIAD, Pega, etc.). Familiarity with APIs (TransUnion, Experian, CIFAS, etc.) and credit processing platforms (TSYS/TS2). Ability to lead decision systems change with cross-functional teams and influence senior stakeholders. SQL or Python skills for data interrogation and prototyping. Able to code to a high standard/level - JavaScript strongly preferred. Strong analytical skills and comfort with data-driven decisioning. Experience in strategy deployment via CI/CD pipelines and governance. Send your CV to Applicants must be located and eligible to work in the UK without sponsorship. Please note, should feedback not be received within 28 days, unfortunately your application has been unsuccessful. In applying for this role, you may be registered on our database so we can contact you about suitable opportunities in future. Your data will be managed in accordance with our Privacy Policy, which can be found on our website. If you would like this job advertisement in an alternative format, please contact MERJE directly.

MERJE is seeking a highly skilled Senior Fraud Analyst for a leading financial services company in the lending sector. This role combines deep fraud expertise with strong analytical skills to develop and optimise fraud detection strategies across various products and channels. The ideal candidate will have a strong background in fraud prevention and data analysis. Location: Kent/London/West Yorkshire The Role The Senior Fraud Analyst position offers an exciting opportunity to play a crucial role in protecting the company and its customers from financial loss and reputational damage. This role involves developing fraud detection strategies, analysing large datasets, and contributing to industry-wide fraud prevention efforts. Key Responsibilities of the Senior Fraud Analyst: Develop and refine fraud detection rules across applications, transactions, and digital channels Monitor fraud trends and recommend proactive countermeasures Analyse large datasets using SQL, SAS, Snowflake, and/or Python Contribute to fraud-related projects and system enhancements Engage with industry peers and forums to stay informed on evolving fraud trends Required knowledge and experience for the Senior Fraud Analyst role: Proven experience in fraud analytics or financial crime prevention Strong background in fraud strategy development Proficiency in SQL and/or SAS, with interest in Snowflake and Python Experience with fraud detection systems and behavioural analytics Bachelor's degree in a relevant field or equivalent experience