Lead Supervisor – Retail Banking, Fixed Supervision Team

Requirements of the role

We regulate financial services firms in the UK, to keep financial markets fair, thriving and effective. By joining us, you’ll play a key part in protecting consumers, driving economic growth, and shaping the future of UK finance services.

SPC oversees firms and individuals (supervision), creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition).

The Retail Banking Directorate oversees supervision and policy for UK retail banking and mortgages, driving better outcomes for consumers including those with vulnerabilities – through firm-specific, sector-wide, and event-driven work, with a strong focus on fairness, affordability, and consumer protection.

Role responsibilities: 

• Plan, prioritise and allocate proactive and reactive work alongside the Manager to drive clarity, momentum and high‑quality supervisory outcomes across the team
• Lead, coach and mentor junior colleagues, providing guidance and oversight that builds capability, strengthens performance and ensures timely, accurate case progression
• Deputise for the Manager when required, offering steady leadership that maintains operational continuity and supports assured decision‑making
• Analyse firms’ business models, strategies and risks, using sound judgement to identify potential harms and shape assertive, effective supervisory strategies that protect consumers and markets
• Deliver your own priorities while guiding the team’s output, ensuring both align to the FCA’s strategic priorities and enhance overall regulatory effectiveness
• Respond to emerging issues and industry developments, forming clear, informed views that help internal and external stakeholders navigate complex regulatory challenges
• Collaborate across the Directorate, wider FCA and external bodies to build strong, inclusive relationships that support joined‑up supervision and reinforce the FCA’s commitment to diversity and inclusion
• Drive continuous improvement and contribute to wider departmental initiatives, identifying sector‑wide risks and enhancing processes to deliver better outcomes for consumers and the industry

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