Head of Risk | Western Cape |On-site

Description Head of Risk

George, Western Cape

Shape how we understand risk. Influence how we respond to it.

At Badger, good risk management isn’t about slowing the business down. It’s about giving people the insight, confidence and foresight to make better decisions.

We’re looking for an accomplished Head of Risk to lead our risk function and strengthen risk management across the Badger Group.

This is a senior leadership role with significant organisational reach. Reporting to the Managing Executive:
Legal, Risk and Compliance, you’ll work closely with executives, risk owners and governance committees to ensure that material risks are understood, appropriately managed and factored into the decisions that shape our future.

You’ll bring independence of thought, sound commercial judgement and the confidence to challenge constructively when it matters.

As Head of Risk, you’ll provide strategic and functional leadership for risk management across the relevant companies within the Badger Group.

You’ll take ownership of the effectiveness of our risk management framework and help ensure that risk is considered proactively in our strategy, our performance and the way we run our businesses.

A key part of your role will be turning complex information into meaningful insight. You’ll monitor the internal and external environment, identify emerging risks and opportunities, challenge assumptions and ensure that executives and governance structures have a clear view of the Group’s risk exposure.

You’ll also play an important role in strengthening risk ownership across the business. Risk isn’t something that belongs to the Risk team alone, and you’ll work with leaders and risk owners to build a culture where people understand their risks, take accountability for them and elevate concerns early.

• Leading our enterprise risk approach
• You’ll develop, maintain and continuously improve a comprehensive, risk-based monitoring plan and broader enterprise risk management approach.
• You’ll oversee the processes through which risks are identified, assessed, monitored, mitigated and escalated, ensuring that risk appetite, key risk indicators, controls and mitigation plans remain relevant as the business and external environment evolve.
• You’ll monitor the effectiveness of risk mitigation activities and challenge whether actions are genuinely reducing exposure — not simply whether they have been completed.

• You’ll maintain a forward-looking view of the environment in which we operate.
• That means analysing market and industry developments, regulatory change, financial and operational performance, criminal trends and other relevant indicators to identify emerging risks and opportunities.
• You’ll connect information across the business, identify patterns and ensure that significant changes in our risk profile receive the right level of attention.

• You’ll play a central role in the Own Risk and Solvency Assessment (ORSA) process, ensuring that it is appropriately coordinated, maintained and presented for Board approval in accordance with relevant Prudential Standards and Group and Company requirements.
• Working alongside functions such as Actuarial, Finance, Compliance, Internal Audit and Legal, you’ll provide independent risk oversight and challenge while maintaining clear accountability between the respective functions.
• You’ll oversee regulatory risk reporting and submissions for which the Risk function is accountable and support effective engagement with the Prudential Authority (PA) and Financial Sector Conduct Authority (FSCA) where relevant to the Risk mandate.

• You’ll prepare and present clear, decision-focused risk reporting to executive leadership, Boards and relevant Audit and Risk Committees.
• Your role won’t simply be to report what has happened. You’ll explain what matters, why it matters, where exposure may be changing and what should happen next.
• You’ll be comfortable communicating uncertainty, challenging assumptions and escalating material concerns when required.