Head of Risk

Hybrid role – with a requirement for at least 1 day per week in our office in New Malden.

About Homeprotect

 We founded Homeprotect on a simple principle – to provide protection to people underserved by the home insurance industry.

We’re experts at insuring people who want to build or buy a unique property, renovate, rent a home or leave it unoccupied. We can cover people who travel a lot, run a business from home or even collect rare treasures. We protect people who love living in a listed building, having a view of a river or sunbathing on a flat roof.

We can do this because our smart tech enables our customers to get an instant, online quote to cover a huge range of complex needs and our UK customer support teams are on hand to provide information and support when only a real person will do.

Our insurance has already empowered hundreds of thousands of people to protect their homes and the things they love. But we’re not content with being the leading provider of what’s called ‘non-standard’ insurance. We believe there’s no such thing as ‘standard’. We’re all unique and we all deserve home insurance designed with our individual needs in mind – something our combination of real people and smart tech enables us to do.

Our simple promise? Whoever you are and wherever you live, with Homeprotect we’ve got you covered.

 What It's Like To Work Here

 Our customers come from all walks of life and so do our people. We’re a small but perfectly formed team, made up of insurance industry specialists alongside a diverse mix of technologists, data scientists and customer and marketing champions from all sorts of industries and backgrounds. We all bring our individual expertise, an appetite for innovation and a shared ambition to empower people to protect their homes and the things that they love.

Working in a fast-paced environment where change happens regularly is how we do things. But we also recognise that you’ll do your best work when you have the right balance, and that’s why we have fully embraced hybrid working, and in some cases, fully remote working, giving our teams the flexibility to choose the right location and working hours for them. We prefer to focus on the outputs of their work, not where they complete it. That said, there will be times when getting together in one location makes sense, but day-to-day, our teams have the freedom to decide where to work and we trust that they’ll make the right decision balancing the business needs and their own preferences.

Most companies think their culture is great, however at Homeprotect, we have the proof to back this up. We have been recognised externally as a Great Place to Work for the last six consecutive years.

Sound good? Read on to find out more about joining our team…

Key Responsibilities

Risk Management Framework

• Design, implement, and maintain Homeprotect’s Risk Management Framework (RMF), ensuring alignment with regulatory requirements, risk appetite, and growth strategy.
• Embed risk culture across the firm, driving awareness, accountability, and consistent practices.
• Advise the Chief Risk & Compliance Officer, Board, and Audit & Risk Committee on strategic and emerging risk matters.

Risk Assessment and Identification

• Identify, assess, and monitor enterprise-wide risks, including strategic, operational, conduct, financial crime, data, cyber, outsourcing, and insurance risks.
• Lead scenario analysis, emerging risk reviews, and stress testing to evaluate potential impacts on the firm.
• Maintain risk registers, Risk & Control Self Assessments, and key risk indicators to support ongoing oversight.

Risk Mitigation and Control

• Provide independent second-line challenge of business risks and mitigation plans.
• Collaborate with senior leaders and risk owners to strengthen control effectiveness and embed resilience.
• Ensure mitigation strategies are proportionate, actionable, and aligned with risk appetite.

Risk Reporting and Governance

• Deliver clear, timely, and actionable risk reports to the CR&CO, Senior Leadership Team, and Audit & Risk Committee.
• Present risk insights and data in a format that drives informed decision-making.
• Support governance by ensuring risks are escalated, tracked, and addressed within agreed tolerances.

We would love to hear from people with the following skills and experience:

Experience

• Extensive expertise and knowledge of direct risk management and leadership experience in RMF and Operational Risk Management areas.
• Thorough understanding of risk assessment best practices, concepts, practices, and tools.
• Exceptional analytical, problem solving and presentation/report writing skills, combined with a good understanding of business dynamics and commercial value drivers.
• Exceptional project delivery approaches to effectively lead risk management initiatives.
• Exceptional interpersonal and presentation skills; ability to work collaboratively and communicate effectively with diverse stakeholders. Intellectual mobility and inquisitiveness; Comfortable developing answers/solutions when requirements remain unclear or change.
• Experience in effectively championing risk governance across multiple stakeholders and competing priorities.
• Previous experience managing a risk program or framework and liaising with regulators.
• Strong knowledge with Governance, Risk and Compliance and other Controls frameworks.
• You will have a deep understanding of the technical discipline of implementing an RMF and a good understanding of the insurance industry and the unique risks that it faces.

Leadership and Management

• Exceptional capability for managing and leading people with the ability to lead, manage and motivate teams.
• Ability to work effectively and lead teams in a fast-paced, dynamic environment and adapt to change.
• Coach, mentor, and train staff, as well as other team members.

Qualifications and Knowledge

• Prior experience in home insurance or personal lines insurance.
• Relevant certification in Risk Management or related field is preferred.
• Exposure to machine learning/AI risk management (if relevant to pricing or claims).
• Experience with FCA or PRA thematic reviews or s166 (Skilled Person) reviews.

We think we have a fantastic company culture and welcome new team members with open arms. We also offer a great range of benefits, including:

• A genuinely flexible approach to work. We are really supportive of you flexing your hours and location to help you keep everything in your life in balance.
• Opportunities to focus on your professional growth whether that’s through training or other personal development opportunities - we want you to build your long-term career with us.
• Discount of 50% when you choose to take out a home insurance policy with us.
• An in-house wellbeing programme including seminars and workshops from wellbeing coaches and professionals.
• Home working starter kit and money to spend on additional equipment you may need.
• Charitable giving scheme, so you can donate to our partner charity, or one of your choices.
• The opportunity to work alongside brilliant people, because this isn’t something that every organisation can offer!

On top of that, we also offer all the standard stuff, like:

• 25 days’ holiday (plus bank holidays) and the ability to buy and sell >5 days annually.
• Private medical cover for all employees
• Financial Advice with Octopus Money
• Life insurance
• Annual discretionary bonus scheme
• Pension contribution
• Free fruit and really good coffee for the days you come into the office.
• Local and national retail discounts

Have we captured your imagination? If so, we’d love to hear from you!

Unique As Standard

We’re proud to be an equal opportunity employer, and actively encourage applications from all backgrounds, as long as you meet the knowledge, skills and experience criteria for the role and have the right to work in the UK. We think everyone can excel in the right environment – no matter your gender, age, ethnicity, sexual orientation, religion, disabilities or beliefs. We believe in celebrating difference, and everything that makes both our customers and people unique, by creating an environment where everyone can thrive.

We encourage you to let us know if you need any extra help with your application, or if you have any requirements at any stage of the recruitment journey.

Equally, lots of our staff at Homeprotect work flexibly and in a variety of ways, whether that’s different core hours or remote working. Please chat to us at your application or interview stage about the flexibility you need, as we’re always happy to explore what's possible for the role.

Your data will be maintained in line with our ‘recruitment data privacy policy’ found here.