Risk Manager, Retail

Date Posted: 17/03/2026

Location: London

Job Type: Full time

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Purpose of role

Working within the risk appetite defined by the relevant Boards, as the Risk Manager you will work pro-actively with the Retail areas to promote best practice with the aim or reducing risks as defined within the Group’s Risk Taxonomy.

You will support the implementation of the Enterprise risk framework across the Retail business areas, with the development and provision of support to business developments and the ongoing analysis of operational risk.

You will also support other Group Risk team members in coordinating the operational risk scenario process in support of the Group’s Internal Model and overseeing the operation of the Group’s risk management database (SWORD).

As the Risk Manager, Retail you will provide Risk oversight to the Sunrise Programme through the provision of comprehensive support and challenge in respect of the operational and regulatory risk aspects within planning, transformation, migration and operationalising of the programme.

About Just

We help people achieve a better later life. That’s our purpose and it’s the reason we exist. We are a fast-growing company helping customers enjoy the retirement they deserve. We do this through a variety of market leading, award-winning products and services, delivered by a diverse team of over 1,400 purpose-led colleagues who genuinely put the customer at the heart of everything we do.

This is a brilliant time to join our business. We are on an exciting growth journey to become the UK’s most loved retirement expert.

Key responsibilities

Provide consultancy support and Risk expertise to assist the Sunrise Programme in achieving its objectives. Ensuring compliance with Enterprise Risk Management Framework, current legislation, regulation and best practice highlighting any risk opportunities and threats relating to the business change.
To identify, monitor and challenge key operational and regulatory risks, issues and activities so as to enable Retail’s operational risks to be appropriately understood and mitigated.
To engage and refer wider Risk colleagues where specialist Risk support and oversight is required within programme initiatives
You will be responsible for providing pro-active operational risk advice, support and challenge to 1st Line management across the business, including oversight of the management of risks associated with change initiatives.
You will support the delivery of the Group’s Internal Model for Operational Risk through the supporting output of operational risk scenarios with risk owners and other key stakeholders.
You will ensure that you and the business partners that you support are proficient in the use of the Group’s risk management system of record and in supporting the business in the identification, assessment and reporting of risks at departmental level.
When needed, you will engage with the risk management system of record suppliers and ensure that you are sufficiently aware of its functionality to propose and oversee improvements as required.
You will take responsibility for ensuring you comply with the company’s procedures, policies, guidelines and reporting requirements as well as any relevant regulatory and statutory requirements.

What we’re looking for

Proven track record of practical experience of implementing and/ or operating risk management processes.
Breadth of experience and knowledge of UK regulated financial services. Strong life and pensions experience is preferred
Experience of risk support in change and implementation of large transformation initiatives.
Proven record of building strong internal partnerships within businesses.
Experience of implementing BoE regulatory requirements for operational risk is desirable but not essential.
Excellent relationship management skills and knowledge.
Strong communication and interpersonal skills, including influencing, negotiation, presentation and report writing.
Strong understanding of risk management practices and their application, including operational risk. Ability to identify emerging risk issues and to drive understanding and management.
Good understanding of regulatory context for operation of risk management, including Solvency 2 requirements, FCA and PRA expectations.
Strong analytical and critical thinking ability, able to interpret information from a number of sources and draw together the ‘big picture’ and bring a strategic perspective.

Our behaviours

At Just you’ll have the opportunity to develop your career, whilst making a difference to the lives of those around you. You’ll be part of a company with a strong and distinctive culture - we’re ambitious, curious and collaborative – and every decision we make centres around being Just and delivering the best outcomes for our customers.

What’s in it for you

A competitive salary, pension scheme and life assurance
25 days annual leave plus an additional day on us for your birthday
Private medical cover and income protection, just in case
A generous and highly achievable bonus scheme
Opportunities to progress your career in-role and within the company
Free access to the Headspace app, 24/7 employee assistance helpline and trained physical and mental health first aiders
A variety of employee funded benefits available via our online benefits portal
Plus, several additional purchase options available for you and your loved ones

Explore our full range of benefits on our dedicated benefits page.

Belonging at Just

Valuing diversity of thought and fostering a sense of belonging is critical to our business success, driving innovation and balanced decision making. Our work on DEIB (Diversity, Equity, Inclusion and Belonging) aims to deliver a brilliant employee experience underpinned by a sense of belonging, where our people feel proud to work at Just.

We remain committed to our publicly disclosed HM Treasury Women in Finance Charter and Race at Work Charter targets and support a wide range of employee network and events, championing issues including intergenerational working, social mobility and neurodiversity.

Application details

Please submit your CV using the 'apply now’ button. Shortlisted candidates will be contacted regarding next steps which may include an initial phone interview and in-person assessment.

Be Bold. Be Brilliant. Be Just

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