Commercial Operations & Risk Manager

Job Description

We're looking for a sharp, commercially-minded generalist to help us scale our consumer electric vehicle leasing business. You'll sit at the heart of our Consumer team, acting as the bridge between our ambitious growth goals and our regulatory responsibilities as an FCA regulated business.

This isn't a "back-office" compliance role. You'll be a key operator who ensures our products are customer-centric, our processes are slick, and our growth is sustainable.

You'll work with teams (Sales, Product, Ops) who are experts in their fields but often new to Financial Services; your job is to translate the "why" behind the rules and help them build better products because of them.

What you'll do

• Commercial Guardrails: Own the "rules of the game" for our consumer products. You'll ensure our contracts (Consumer Hire Agreements) and T&Cs are current, compliant, clear, and commercially sound.
• Problem Solving: Tackle "edge case" customer issues and business incidents. You won't just fix the immediate problem; you'll build the automation or process to ensure it doesn't happen again.
• Internal Consultant: Act as the first point of contact for the business on FCA-related questions. You'll help Marketing with promotional approvals and Sales with "how-to" guidance for complex customer journeys.
• Product Evolution: Work with Legal and Product teams to launch new features, ensuring we follow a "product governance" path that is fast but compliant.

What you'll need

• FCA regulated experience: You have experience working within a UK-regulated consumer finance environment. Ideally a fintech business. You understand the principles (like Consumer Duty, Treating Customers Fairly etc) without getting lost in the weeds.
• A generalist: You are comfortable jumping from a legal contract review to a data-heavy reporting or analysis task, then into a training session for the sales team.
• Tech-first approach: Whilst not a developer, you default to tech based solutions, automations and AI workflows, rather than manual processes.
• Commercial and pragmatic: You view regulation as a framework for building trust and quality whilst making progress at pace. You find ways to say "yes, if..."
• Effective communicator: You can distill complex rules and principles into simple instructions or operating procedures for people new to financial services.
• Bias to action: You thrive in a fast-paced scale-up environment with a strong bias to action.

Why else you'll love it here

• Wondering what the salary for this role is? Just ask us! On a call with one of our recruiters it's something we always cover as we genuinely want to match your experience with the correct salary. The reason why we don't advertise is because we honestly have a degree of flexibility and would never want salary to be a reason why someone doesn't apply to Octopus - what's more important to us is finding the right octofit!
• Octopus Energy Group is a unique culture. An organisation where people learn, decide, and build quicker. Where people work with autonomy, alongside a wide range of amazing co-owners, on projects that break new ground. We want your hard work to be rewarded with perks you actually care about! Octopus Employee Benefits
• Octopus Electric Vehicles, part of the Octopus Energy Group, won the Sunday Times best company to work for in 2024. We were named 6th out of the top 100 start-ups to work for by Tempo in 2025 and on Glassdoor we were voted 50 best places to work in 2022. Our Group CEO, Greg has recorded a podcast about our culture and how we empower our people. We've also been placed in the top 10 companies for senior leadership

Things to note

• just to let you know, we are dog friendly company so you may see our 4 legged friends in the offices - feel free to bring yours! Rest assured though, we've taken lots of precautions for those who have allergies
• We use AI to help us assess applications fairly and objectively. We're totally fine with you using AI as a tool to help prepare too. That said, when we get to the interview and assessment stage, we're really interested in hearing your unique perspective and real-world stories. That's the stuff we can't get from a bot or a prompt!

The electric revolution has arrived - and from 2035 you'll no longer be able to buy a new petrol or diesel car in the UK.

We're building a whole new way for drivers to join the electric charge and not only learn about and shop for their EV online, but experience a 'lease for life' through an industry changing customer experience. This is the chance to join one of the UK's most exciting start-ups - making it easy for individuals and businesses to go electric by getting their car, charger and energy all in one cracking deal.

Octopus Electric Vehicles launched in 2018 to make it seamless to switch to cleaner, greener driving. Our mission is to drive sustainable change, decarbonise the planet and provide our customers with fair pricing and a fantastic experience.

We're an Octopus Energy company-an innovative new energy supplier. We are part of the Octopus Energy Group, which seeks to improve the lives of millions of people by transforming the industries we operate in. The Octopus Group incorporates Octopus Energy, Octopus Healthcare, Octopus Investments, Octopus Property, Octopus Ventures and Octopus Labs.

If this sounds like you then we'd love to hear from you.

Are you ready for a career with us? We want to ensure you have all the tools and environment you need to unleash your potential. Need any specific accommodations? Whether you require specific accommodations or have a unique preference, let us know, and we'll do what we can to customise your interview process for comfort and maximum magic!

Studies have shown that some groups of people, like women, are less likely to apply to a role unless they meet 100% of the job requirements. Whoever you are, if you like one of our jobs, we encourage you to apply as you might just be the candidate we hire. Across Octopus, we're looking for genuinely decent people who are honest and empathetic. Our people are our strongest asset and the unique skills and perspectives people bring to the team are the driving force of our success. As an equal opportunity employer, we do not discriminate on the basis of any protected attribute. Our commitment is to provide equal opportunities, an inclusive work environment, and fairness for everyone.

Where necessary, we sometimes use AI tools to help with parts of our hiring process, like reviewing applications or assessing responses. We're lucky to receive a huge amount of interest, so these tools help our recruiters manage that volume, not replace them. Ultimately, every hiring decision (for example, whether to progress your application or not) is always made by a real person in our Talent team. If you'd like to know more about how we use your data, you can reach out to us via email at [email protected]. We're happy to help!