Job Title: Prudential Risk Oversight Consultant (FTC)Working Pattern: Fixed-Term Contract, approximately November 2024 to June 2025. Were open to considering a 6 or 9 month arrangement for the right candidate. Standard working hours are Monday to Friday, 36.25 hours per week, though were happy to discuss part-time arrangements such as a 3 or 4 day working week.Salary: Up to 130,000 per annum (full-time equivalent), pro-rated based on the agreed contract duration and working hoursLocation: Flexible Embrace fully UK remote or hybrid work from any of our vibrant UK offices in London, Cardiff, Durham or Blackpool. At Tandem, we're not just a bank; we're a movement for positive change. If you're an experience Prudential Risk Oversight Consultant, ready to make an impact, we've got a space with your name on it! The main purpose of the role is to provide a maternity cover within the second line of defence Prudential Risk team, with a focus on ICAAP, ILAAP and Assurance activities. We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share all while nurturing our planet, our people and our customers. As one of Europes fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future.Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. We are seeking a highly skilled Prudential Risk Oversight Consultant to join our Second Line Risk & Compliance Function, supporting the Director of Prudential Risk in a 3-person specialist team. This role offers a unique opportunity to influence the Banks approach to key prudential risk areas, including capital, liquidity, funding, IRRBB, wholesale credit risk, climate risk, and regulatory reporting. You will be expected to bring deep subject matter expertise, operate with a high degree of autonomy, and work proactively across teams including Finance, Treasury, and Credit Risk, providing robust second line oversight and technical challenge. What you will be working on: ICAAP & ILAAP: Support the coordination, development, and second line oversight of the Banks ICAAP and ILAAP, including contributions to scenario design, stress testing, and capital planning. Prudential Risk Oversight: Ensure key prudential risks are effectively identified, measured, monitored, and mitigated in line with regulatory expectations, internal policies, and best practice. Advisory & Methodology: Provide technical guidance on prudential risk methodologies, contribute to policy and framework development, and support risk appetite articulation and regulatory interpretations. Deep-Dive Reviews: Design and lead thematic assurance and independent reviews on key prudential topics. Horizon Scanning: Monitor external developments, including regulatory, macroeconomic, and market trends, and assess their potential impact on the Banks prudential risk profile. Governance & Reporting: Contribute to Risk Committee and senior management reporting, including enhancement and standardisation of prudential risk MI. Cross-Functional Collaboration: Support wider risk initiatives and transformation projects across the Risk & Compliance Function.

Experience of prudential risk experience in banking, consulting, or regulation (e.g., PRA). Strong working knowledge of UK prudential regulation (PRA Rulebook, UK CRR, PRA SSs). Proven experience in ICAAP development or oversight, with a particular focus on Pillar 2A Credit Risk and Pillar 2B. Strong stakeholder management and communication skills able to explain technical risk concepts to senior and non-technical audiences. Comfortable providing credible challenge and advice at all levels of the organisation. Strong organisational skills; able to work independently and manage multiple deadlines. Desirable Skills & Experience Prior experience conducting independent assurance reviews as an external party or within second or third line functions. Understanding of PRA/FCA regulatory reporting processes (e.g., COREP, LCR, PRA110). Experience in ILAAP oversight and liquidity risk management frameworks. Exposure to project management, ideally within regulatory change or transformation programmes. Proficiency in Excel and/or SQL for data analysis and model review. Familiarity with banking products offered by specialist / growing UK banks, including secured and unsecured retail lending.

Rewards that reflect your value, whats in it for you?At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us. The benefits outlined below are based on a full-time position and will be prorated accordingly to reflect the terms of the fixed-term contract. 25 days annual leave plus 8 days Bank Holiday An additional day off for a celebration day including, but not limited to, birthdays, weddings, religious holidays, graduations etc Buy or sell up to 5 days holiday a year Salary sacrifice Pension contribution

• , 4% employee contributions matched with 4% Tandem contribution (Subject to salary eligibility)
Smart Tech scheme (buy goods with 0% interest) Tandem Hub for treats, cash back and discounts on UK retailers 2 days per year paid volunteering Free cereal, snacks and drinks in all offices Quarterly team social budgets