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Zopa for Business - Risk Lead

Zopa· 1LOD Ops Risk
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Hybrid (London)Employee - PermanentPosted 7mo ago

About the role

Zopa for Business - Risk Lead, a senior 1LoD leadership role responsible for managing risks arising from partnerships and distribution activity across all Zopa for Business products. Leading the risk team, setting risk standards and providing commercial risk advice to senior stakeholders in a hybrid London-based role.

Responsibilities

  • Lead, develop and inspire the Zopa for Business risk team, setting a clear operating rhythm, high standards and a strong culture of sound judgement.
  • Own the end-to-end approach to partner and distributor risk, ensuring it remains effective, pragmatic and fit for a growing business.
  • Be a trusted adviser to business leaders, helping them make well-informed decisions that balance growth, customer outcomes and risk appetite.
  • Design and maintain proportionate risk frameworks, policies and minimum standards for onboarding, material change and ongoing oversight.
  • Provide clear recommendations and challenge on higher-risk cases, with the confidence to make or escalate decisions when required.
  • Ensure risks, controls, decision-making and accountability are clearly evidenced and understood.
  • Oversee due diligence, risk assessment and approval for new partners and material changes to existing relationships.
  • Establish effective ongoing monitoring, early-warning indicators and timely intervention where a partner’s risk profile changes.
  • Work with commercial and specialist teams to manage remediation, restrictions and exits where necessary.
  • Use data and management information to give leaders a clear view of exposure, trends, performance and emerging risks.
  • Work closely with Product, Engineering and risk specialists to improve processes, controls and tools as the business scales.
  • Use insight from issues, incidents and feedback to strengthen the control environment and improve the partner experience.

Qualifications

  • Strong experience leading risk, compliance, financial-crime, third-party or distribution-risk activity in a regulated financial-services, fintech or payments environment.
  • Sound commercial judgement and the ability to make balanced decisions in complex, fast-moving situations.
  • A proven track record of designing and operating risk-based onboarding and oversight frameworks for partners, merchants, intermediaries, brokers or similar third parties.
  • The leadership capability to build a high-performing team and influence senior stakeholders across commercial, product and risk disciplines.
  • Excellent communication skills: able to turn complex risk topics into clear recommendations and practical action.
  • Experience working with technology and data teams to improve risk processes and controls.

Skills

Required:Risk leadershipOnboarding risk frameworksData-driven decision making

Benefits

  • Hybrid role requiring in-office presence in London 2-3 days a week.
  • Option to work from abroad for up to 120 days a year (subject to right to work).
  • Flexible ways of working and emphasis on work-life balance.
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Zopa

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