Enterprise Risk Management Analyst

Intro At Pleo, we’re on a mission to revolutionise the way businesses manage company spending. No more outdated processes, clunky spreadsheets, or frustrating delays - we believe spend management should be seamless, empowering, and surprisingly effective for finance teams and employees alike. We’re creating tools that promote autonomy, foster trust, and let businesses focus on what truly matters. Our culture is built on transparency, collaboration, and a deep commitment to innovation – which is reflected in our spending solution. At Pleo, you’ll join a passionate team shaping the future of work, all while having some fun along the way.

About the role We're looking for an Enterprise Risk Management Analyst to join our Risk Team at Pleo. In this role, you'll be in the Second Line of Defence, supporting the development, implementation, and maintenance of our organisation's risk management framework. You'll assist in monitoring and assessing risks across the business, supporting risk reporting, and ensuring effective challenge to the First Line on risk-related matters. If you’re excited about building a career in risk management, gaining exposure to a broad range of operational, strategic, and regulatory risks, and you’re passionate about ensuring a comprehensive and cohesive approach to risk management across Pleo, this is the opportunity for you.

What you’ll be doing

As a Risk Oversight Analyst at Pleo, you will:

• Support the implementation and ongoing enhancement of the Enterprise Risk Management Framework across the business.
• Assist in monitoring and assessing key risks across all business areas, ensuring they are identified, measured, and managed within risk appetite.
• Contribute to the preparation of regular risk reports and dashboards for senior management and committees.
• Provide independent second line challenges to the First Line on risk identification, assessment, controls, and mitigation strategies.
• Assist in maintaining and developing the enterprise risk register, ensuring risks are accurately documented and categorised.
• Contribute to the refinement and maintenance of risk policies, procedures, and governance documentation.
• Help in monitoring emerging risks and changes in the external environment that could affect the organisation’s risk profile.
• Support the execution of risk workshops and training sessions to promote risk awareness and a strong risk culture across the business.

Collaborate with cross-functional teams to ensure up to date risk assessments and reporting, as well as collaborating on required updates to the Pleo’s credit risk-related policies. This will mean working with different stakeholders with different backgrounds, and being able to communicate and influence towards successful risk management

What you bring

You’ll thrive in this role if you:

• Have experience in risk management, ideally within financial services, fintech, or another regulated environment.
• Bring an understanding of the Three Lines of Defence model and how risk is managed across an organisation.
• Have had exposure to core enterprise risk management principles, including risk identification, assessment, and reporting.
• Have experience supporting or maintaining a risk register or similar database
• Competent with standard Microsoft tools (Excel, PowerPoint, Word); any experience with GRC or data visualisation tools (e.g., Power BI) is an advantage.
• Possess strong analytical and problem-solving skills to interpret data, identify trends, and support risk reporting and dashboards.
• Demonstrate excellent attention to detail and an organized approach to managing multiple tasks and deadlines.
• Have strong written and verbal communication skills to clearly summarize information and confidently engage stakeholders.
• Are a proactive self-starter and a collaborative team player, comfortable working across diverse, cross-functional teams.
• Highly Advantageous: Have experience in credit risk management, including understanding basic credit analysis, portfolio monitoring, or underwriting processes that’s highly advantageous!
• Qualifications and Background
• Bachelor’s degree in finance, economics, business, risk management, or a related field.
• Professional certifications are a plus, such as IRM, ICA, ACAMS, CFA (introductory), or equivalent.
• Demonstrated interest in pursuing a career in enterprise risk management or related control functions.

Who you’ll be working with and reporting to:

You’ll report to our Senior Risk Management Officer and work closely with teams in the second line of defence, including Compliance, Financial Crime and Internal Controls. You’ll also have the chance to partner with teams across all of Pleo!

How you’ll develop in this role

In your first 6 months at Pleo, you’ll:

• Support the development, implementation, and maintenance of the organisation's risk management framework within the Second Line of Defence.
• Assist in monitoring and assessing risks across the business, gaining exposure to a broad range of operational, strategic, and regulatory risks.
• Contribute to risk reporting and the process of providing effective challenges to the First Line on risk-related matters.
• Begin to apply or refine skills in assessing counterparty and customer creditworthiness by analysing financial statements and identifying key credit and liquidity risks.
• Gain familiarity with portfolio monitoring practices, including tracking performance metrics, concentration risks, and early warning indicators.
• Develop a deeper understanding of a comprehensive and cohesive approach to risk management across Pleo!
• Develop skills in credit risk management, including credit analysis, portfolio monitoring and underwriting processes
• Show me the benefits!
• Your own Pleo card (no more out-of-pocket spending!)
• Lunch is on us for your work days - enjoy catered meals or receive a lunch allowance based on your local office 🍜
• Comprehensive private healthcare - depending on your location, coverage options include Vitality, Alan or Médis
• We offer 25 days of holiday + your public holidays
• For our Team, we offer both hybrid and fully remote working options
• Option to purchase 5 additional days of holiday through a salary sacrifice
• We use MyndUp to give our employees access to free mental health and well-being support with great success so far ❤️‍🩹
• Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work 👶

Why join us?

Working at Pleo means you're working on something very exciting: the future of work. Our mission is to help every company go beyond the books. Pleo itself means ‘more than you’d expect’, and it’s been the secret to our success over the last 8 years. So it’s only fitting that we’d pass this philosophy onto our customers to help them make the most of their finances.

We think company spending should be delegated to all employees and teams, that it should be as automated as possible, and that it should drive a culture of responsible spending. Finance teams shouldn’t be siloed from the rest of the organisation – they should work in unity with marketing, sales, IT and everyone else.

Speaking of working in unity, our values tell the story of how we work at Pleo. We have four core values, the first of which is ‘champion the customer’, which means we address real pain points that businesses face. Next up is ‘succeed as a team’, which highlights how our strength lies in our diversity and trust in each other. We also ‘make it happen’ by taking bold decisions and following through to deliver results. Last but not least, we ‘build to scale’, creating lasting solutions that address today’s challenges and anticipate tomorrow’s needs.

So, in a nutshell, that's Pleo. Today we are a 850+ team, from over 100 nations, sitting in our Copenhagen HQ, London, Stockholm, Berlin, Madrid, Montreal and Lisbon offices —and quite a few full-time remotes in 35 other countries! Being HQ'd out of Copenhagen means we're inspired by things like a good work-life balance. If you don't work in the office with us, we'll help you set up the best remote setup possible and make sure you still have time to connect with your team.

About your application Please submit your application in English; it’s our company language so you’ll be speaking lots of it if you join 💕 We treat all candidates equally: If you are interested please apply through our application system - any correspondence should come from there! Our lovely support isn't able to pass on any calls/ emails our way - and this makes sure that the candidate experience is smooth and fair to everyone 😊 We’re on a mission to make everyone feel valued at work. That’s only achievable if our team reflects the diversity of the world around us - and that starts with you, hitting apply, even if you are worried you might not tick all the boxes! We embrace and encourage people from all backgrounds to apply - regardless of race/ethnicity, colour, religion, nationality, gender, sex, sexual orientation, age, marital status, disability, neurodiversity, socio-economic status, culture or beliefs. When you submit an application we process your personal data as a data processor. Find out more about how your data is used in the FAQs section at the bottom of our jobs page.