About The Role

We’re an award-winning UK retail bank, providing savings accounts and lending services to over a million customers. Born in 1952 in the West Midlands, we’ve had plenty of time to hone our craft. We’re a bank you can trust. After all, it’s in our name.

Our approachable, straight-talking teams are based at our Solihull headquarters and offices in Cardiff, London, and Manchester. We’re all working hard to build the most trusted specialist lender in Britain.

What you will do

You will implement and embed a Prudential Risk Framework with supporting policies and standards. This involves working with the Finance and Treasury departments to ensure all prudential risks are identified, assessed and effectively managed / mitigated and all regulatory requirements are met.

Responsible for providing advice and guidance to the business on Prudential risks (Liquidity & Funding, Capital & Market. You will also provide guidance, monitoring (Inc. emerging developments) and periodic assessment/evaluation on the applicability and adherence to the Prudential Regulation Authority (PRA), European Banking Authority (EBA) and Basel Committee Banking Supervision (BCBS) rules/requirements.

What you will bring

Detailed knowledge of Prudential Risk (Capital, Liquidity & Funding, Market inc. IRRBB) and relevant regulatory requirements (PRA, EBA and BCBS).

Experienced in the design/build/implementation and embedding of Risk Management Frameworks, strategies and policies.

Experienced in the production/oversight of ICAAP and ILAAP (Internal Capital & Liquidity adequacy assessments).

Experienced in the execution/oversight of Derivatives/Swaps (related to Interest Rate Risk in the Banking Book (IRRBB).

What is on offer

We offer challenge, variety and flexibility. We offer a hybrid working environment with flexible working arrangements. We offer a collaborative team environment. We offer tremendous autonomy. We provide feedback and support in helping you develop your career. And on top of all this, we offer a competitive salary, car allowance, private healthcare, share save scheme, inclusion in the company bonus scheme and a suite of flexible benefits that you can opt into to suit your lifestyle.

We celebrate achievement and have a range of generous recognition schemes that reward both individual and team successes.

Why are we different?

We are the same as all specialist lenders (or “challenger banks” as we are sometimes known) in that we operate a number of discrete lending portfolios. However, we are different, because we have more diversity in those portfolios than most and because we are pretty balanced between consumer lending and SME lending. STB is dynamic. It has doubled in size in five years and businesses that didn’t even exist then now account for half of all our lending. In that period we have sold a business, closed a couple of businesses, started up another three and grown another by a factor of 900%.

We have also embarked on a number of exciting technology change and business transformation programmes. Our cyber security strategy is helping us protect the infrastructure, network, end user services and applications. And we have transformed the way that technology enables our operations.

We are proud to be a “Great Place to Work” and we aim to offer a working environment where colleagues feel respected, where they can confidently be themselves, and where everyone is able to fulfil their potential.

A career with Secure Trust is not just a job, it is a chance to be part of a growing and successful business that is constantly evolving.

Everyone is different. Everyone is valued

As part of our vision to become the most trusted specialist lender in the UK, we’ve been helping customers and businesses fulfil their ambitions since 1952.  In that time, we’ve learned that we’re more than the sum of our parts. We’re a strong Group because of our people and our strengths; specialist, expert, ambitious and also diverse. All of our people are different and this is something we celebrate.

Every one of our employees brings unique talent, ability and perspective to their role.

That’s why Secure Trust Bank Group nurtures differences. We understand that we perform better because we’re not cast from the same mould. We actively embrace and support diversity, work with leading industry bodies and promote initiatives that reinforce our philosophy of giving you the freedom to be who you are.

We’re an award-winning bank providing savings accounts and lending services to over one million customers. We’re Secure Trust Bank Group. We embrace difference.