United Kingdom · Operations · Lead (8-12 years)

Head of Operational Risk

Here is the whole job, in plain words. What it is, what you decide, how you're judged, how people get here and where they go next. Then the part no course gives you: twelve AI tutors who learn your work.

See how AI is changing this job, and get the full read by email.

As a Head of Operational Risk, a good place to start on AI-Powered Risk Scenario Modelling is Planning Automation Across a Department, a free Future Fluency module at Level 5. You'd practise working out what in your department's work could be automated, what should not be, and what to recommend.

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One email: what AI is changing in this job, the new skills it asks for, where it leads, and where to start free. With a link back here. Nothing else follows unless you confirm your address.

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  • Experience bandLead (8-12 years)
  • Direct reports3-5 reports
  • Reports toSenior Manager, Operational Risk
  • UK framework levelUsually a manager, or the deepest specialist in a team

Also advertised as Operational Risk Manager · Senior Operational Risk Lead · Head of Operational Resilience · Risk & Control Lead

Built on 43,079 real UK job descriptions we analysed · grounded in what real qualifications cover

1From this job to a course

The qualifications matched to this job

NQual Level 5 Diploma in Leadership and Management NQual · Level 5 · covers 2 of 10 standards
CMI Level 5 Award in Management and Leadership Chartered Management Institute · Level 5 · covers 1 of 10 standards
CMI Level 5 NVQ Diploma in Management and Leadership Chartered Management Institute · Level 5 · covers 1 of 10 standards
CMI Level 5 Certificate in Police Management Chartered Management Institute · Level 5 · covers 1 of 10 standards
BIIAB Level 5 Diploma in Management and Leadership (NVQ) BIIAB · Level 5 · covers 1 of 10 standards
Highfield Level 5 Diploma in Operations Management Highfield Qualifications · Level 5 · covers 1 of 10 standards

Matched from the standards this job is measured against: a suggestion, not an official ruling.

The units you would start with

Risk management NQual Level 5 Diploma in Leadership and Management
Managing Risk CMI Level 5 Award in Management and Leadership
Develop and implement an operational plan CMI Level 5 NVQ Diploma in Management and Leadership
Operational Planning Highfield Level 5 Diploma in Operations Management

The future skills this job leans on

AI Fluency working with AI as a thinking partner
Data Fluency turning numbers into a decision
AI Governance Fluency using AI responsibly
Automation Fluency building AI into how work runs
Foresight Fluency seeing round the corner
Your Plan Illustration

Built for Head of Operational Risk

4 units that map to this job, from the qualifications that cover it.

  1. Risk management NQual · covers 2 of 10 standards Level 5
  2. Managing Risk Chartered Management Institute · covers 1 of 10 standards Level 5
  3. Develop and implement an operational plan Chartered Management Institute · covers 1 of 10 standards Level 5
  4. Operational Planning Highfield Qualifications · covers 1 of 10 standards Level 5
These are the real units behind this job, in the order they rank for it. Nothing here is marked done, because this plan has not been started by anyone yet. Yours would fill in as you go.

2AI and this work

Will AI change your work as a Head of Operational Risk?

Nobody can say exactly how. Here is what this job is being asked for next, and where to start.

The new skills this role is being asked for

  • AI-Powered Risk Scenario Modelling
  • Digital Ethics & Responsible AI Risk Management
Why each one is rising

The future skills this job leans on

We'll only ever tell you what we can actually back up. No hype, no scare tactics.

What happens when you start

Next, a free account. We build your Head of Operational Risk plan as you set up, starting with the free Automation Fluency module. No card.

Your first Future Fluency module is free. After that, your AI tutor is £70 a month.

Keep this read. One email with what AI is changing in this job, the new skills it asks for and where to start free. Nothing else follows unless you confirm your address.

3What this role really is

Head of Operational Risk means examining how operations run, finding weak points, and helping teams make processes safer and more reliable. You act as the main point of contact for operational managers working out what could go wrong and how to prevent it. The role involves investigating problems, guiding others, and dealing with people at different levels. You lead a small team through the harder parts of risk management.

4What you'd actually use

The tools this job runs on, and how well you'd need to know each one.

ServiceNow GRC / Archer RSA (or similar GRC platform) Advanced

Configuring workflows for incident management and RCSA cycles, designing custom dashboards for your business units, training L1 users, and extracting complex risk data for analysis and reporting.

Microsoft Visio / Lucidchart (or similar Process Mapping tool) Expert

Independently facilitating workshops to create complex 'to-be' process maps, identifying control points and failure modes, and setting standards for process documentation for your team.

Power BI / Tableau Advanced

Building interactive dashboards to monitor KRIs and KCIs, conducting root cause analysis using data, and presenting data-driven risk insights to senior management and your business stakeholders.

Advanced Excel (Power Query, PivotTables) Advanced

Cleaning and merging disparate operational risk data sources, performing complex data analysis for risk assessments, and creating detailed risk models and reports when BI tools aren't flexible enough.

SAP S/4HANA / Oracle NetSuite (or similar ERP) Process Expert

Deeply understanding the end-to-end operational processes within the ERP, identifying inherent risks and control gaps, and guiding your team on how to extract evidence for control testing.

Microsoft SharePoint / Confluence Advanced

Designing and managing the information architecture for the risk function's documentation, ensuring version control, managing permissions, and making sure all risk artefacts are easily accessible and auditable.

PowerPoint / Diligent (or similar Board Reporting tool) Contributor

Preparing high-quality slides and data visualisations for inclusion in risk committee packs and leadership presentations, ensuring clear messaging and professional delivery.

5What you get to decide, and how that grows

Power in a job isn't your title. It's what you're allowed to decide. Here's how it grows as you move up.

The choiceComing in Where you are nowThe step above
Control Design & Implementation Proposes initial control ideas, subject to review by Specialist/Senior. Designs specific controls for routine processes, consults Senior for complex ones. Designs and implements controls for entire workstreams; makes technical decisions within scope, consults Lead on strategic impact.
Risk Assessment Methodology Applies established RCSA templates and guidelines. Adapts standard RCSA approaches for specific tasks, identifies areas for improvement. Designs and refines RCSA processes for specific departments, makes recommendations for improvements to the overall methodology.
Incident Response & Remediation Documents incidents, gathers initial evidence, escalates to Specialist. Leads initial incident triage, performs basic root cause analysis, proposes immediate fixes. Leads root cause analysis for significant incidents, designs remediation plans, makes recommendations to business owners.
Team Management & Development N/A Provides informal guidance to new joiners. Mentors 0-2 junior analysts, provides feedback on their work, helps unstick them.

6How you'll be judged

The scoreboard, and what is not on it. The hard targets, how often each is actually looked at, and the quiet signals that never reach a dashboard.

Operational Loss Reduction
The total financial impact of operational incidents (e.g., fraud, system failures, process errors) within your scope.
Target · Reduce total operational losses by 10-15% year-over-year.

If last year's operational losses for your business lines were £1M, you'd aim for £850K-£900K this year. This means fewer system outages, less human error, and better fraud detection.

KRI/KCI Threshold Compliance
The percentage of Key Risk Indicators (KRIs) and Key Control Indicators (KCIs) for your business lines that remain within their defined 'green' or 'amber' thresholds.
Target · Maintain 90% of KRIs and KCIs within acceptable thresholds.

If we have 20 KRIs for warehouse operations, you'd want 18 of them to be 'green' or 'amber', indicating that risks are being managed effectively and controls are working. Going 'red' means you've got a problem to fix.

RCSA Completion & Quality
The percentage of Risk & Control Self-Assessments (RCSAs) completed on time by business owners, coupled with their quality scores.
Target · 95% RCSA completion rate with an average quality score of 4/5 from your team's review.

All 15 operational departments you support submit their RCSA by the deadline, and your team's review finds them to be thorough, well-evidenced, and not just 'pencil-whipped' from last year.

Control Issue Remediation Rate
The percentage of identified medium-to-high risk control issues that are fully remediated by the business owners within the agreed timeframe.
Target · 85% of medium-to-high risk issues remediated within 90 days.

If you flagged 20 control gaps in Q1, we'd expect 17 of them to be fully closed out by the end of Q2, meaning the business has put a fix in place and it's working.

Stakeholder Engagement & Influence
How effectively you partner with operational managers, influencing them to proactively manage risk and adopt new controls, rather than just reacting to your findings.
  • Operational leaders seek your advice before launching new initiatives. You're invited to early-stage project discussions. You're seen as a trusted advisor, not just a 'risk police'. Business units actively champion risk mitigation efforts in their own teams. Feedback from internal audit or external regulators highlights strong risk ownership in your areas.
Team Development & Mentorship
The growth and effectiveness of your direct reports, ensuring they're developing their skills and contributing meaningfully.
  • Your team members consistently meet their individual performance goals. At least one of your direct reports is ready for promotion within 18-24 months. They feel supported and challenged. You're regularly providing constructive feedback and development opportunities. Your team's work is consistently high quality, requiring minimal rework.
Quality of Risk Programme Design
The robustness and practicality of the risk frameworks and methodologies you architect for your assigned business lines.
  • Internal Audit reviews confirm the effectiveness of your designed controls. Business owners find your risk tools and processes easy to understand and use. Your KRI/KCI definitions are clear, measurable, and actionable. Your risk assessments genuinely uncover new, relevant risks, not just the obvious ones.
Incident Response Leadership
Your ability to lead and coordinate effective responses when operational incidents occur, ensuring calm, structured problem-solving.
  • During incidents, you're the calm voice guiding the response. Post-incident reviews highlight your clear communication and structured approach. Root cause analyses are thorough and lead to effective preventative actions. You're able to quickly mobilise relevant teams and keep senior management informed without causing panic.

7Would you like it

Both sides. What people enjoy, and what grinds them down.

What people enjoy
Solving Complex Operational Puzzles

You love digging into a messy process, mapping it out, and finding the hidden vulnerabilities. The thought of preventing a major incident by identifying a subtle control gap genuinely excites you. You're driven by the intellectual challenge of understanding how things *really* work and how they *could* fail.

Spending a day with the warehouse team, mapping out their inbound goods process, and spotting a potential fraud risk that no one else had considered.

Making a Tangible Impact on Business Resilience

You get satisfaction from seeing your recommendations actually implemented and knowing that your work has made the business stronger and safer. You're not just writing reports; you're driving real-world change that protects our colleagues, customers, and bottom line. You want to see fewer 'near misses' and genuine improvements in operational stability.

After months of work, seeing a new control implemented in the customer service centre that significantly reduces data entry errors and customer complaints.

Developing and Leading a Team

You enjoy mentoring junior colleagues, helping them grow their risk management skills, and seeing them succeed. You're motivated by building a capable team that can tackle complex challenges and contribute effectively to the wider organisation. You like guiding others and helping them navigate tricky situations.

Coaching a specialist through their first complex root cause analysis, helping them structure their findings and present them confidently to a senior audience.

What frustrates people
  • The 'Business Prevention Unit' Stigma: Constantly fighting the perception that your job is to say 'no' and slow down progress, rather than enabling sustainable and resilient growth. It's tough when people see you as a blocker.
  • "Pencil-Whipping" the RCSA: The soul-crushing reality of business managers who rush through their risk assessments, copying and pasting from last year, just to get it off their to-do list. It feels like wasted effort.
  • Accountability without Authority: Being held accountable for enterprise-wide risk levels, yet having no direct authority to force a business unit to implement a necessary control. You're often relying solely on influence.
  • The Battle for Good Data: Trying to perform quantitative risk analysis when the underlying operational data is messy, incomplete, or stored in ten different systems that don't talk to each other. It's a constant struggle.
  • Post-Incident Amnesia: Watching the business invest heavily in remediation right after a major failure, only to see that focus and budget evaporate six months later when the memory fades. It's frustratingly cyclical.
What this role does not give you
  • A quiet, solitary role: You'll be talking to people constantly, often in challenging situations.
  • Instant gratification: Risk mitigation is a long game; changes take time to show results.
  • A role where you're always popular: You'll often deliver news that people don't want to hear.
  • A static, predictable day: Expect urgent requests and shifting priorities, especially when incidents occur.

8Who you work with

You'll directly influence the operational stability and efficiency of critical business units, helping them avoid costly disruptions and regulatory fines. Your work ensures that our risk exposure stays within acceptable limits, protecting our financial performance and brand reputation. You're essentially building a stronger, more resilient Operations function from the inside out.

Inside the business
  • Head of Logistics
  • Head of Customer Service
  • IT Operations Lead
  • Internal Audit team
  • Compliance Department
  • Legal Counsel
Outside the business
  • Key suppliers and third-party vendors
  • External auditors
  • Industry bodies and regulators (e.g., FCA, PRA if applicable)
  • Insurance providers

9What you need before you start

Not a wish list. The things you would be expected to already have.

  • Proven experience (roughly 8-12 years) in operational risk management, internal audit, or a closely related field within a complex operational environment.
  • Demonstrable experience leading and developing a small team of risk professionals.
  • A track record of successfully designing and implementing risk frameworks and controls for specific business units.
  • Strong ability to influence and build relationships with senior operational stakeholders, often without direct authority.
  • Experience with GRC platforms (e.g., ServiceNow GRC, Archer RSA) and business intelligence tools (e.g., Power BI, Tableau).
  • Excellent written and verbal communication skills, with the ability to translate complex risk concepts into clear, actionable insights for diverse audiences.

10What to practise next

Where the job is going, and what to do about it starting this week.

Advanced GRC Platform Integration

GRC platforms are becoming the central nervous system for risk. You'll need to understand how to integrate them with other enterprise systems (ERP, HRIS, IoT data) to automate control monitoring and provide a real-time, holistic view of operational risk. This moves beyond basic configuration to architectural design.

API Integration for GRC · Data Model Harmonisation · Process Orchestration with GRC

  • This quarter: Work closely with the IT team on any GRC platform upgrade or integration project.
  • Next 6 months: Take a vendor-specific advanced certification for our GRC platform (e.g., ServiceNow GRC Administrator).
  • Month 9: Lead a project to integrate a new data source into our GRC platform for automated KRI monitoring.
  • Month 12: Document the architectural design for a key GRC integration, showing its risk benefits.

Quick win: Familiarise yourself with the API documentation for our current GRC platform. Talk to IT about their integration roadmap.

Process Mining for Control Optimisation

Traditional process mapping is often based on 'how we think things work'. Process mining tools (like Celonis or UiPath Process Mining) use actual system logs to show 'how things actually work'. This is a game-changer for identifying hidden process deviations, control weaknesses, and efficiency gaps in real-time.

Event Logs & Process Discovery · Conformance Checking · Bottleneck & Rework Analysis

  • This quarter: Take an introductory course on process mining concepts and tools.
  • Next 6 months: Identify one operational process that could benefit from process mining and explore a pilot project.
  • Month 9: Work with an internal or external expert to run a process mining analysis on a key operational workflow.
  • Month 12: Present findings on control weaknesses identified through process mining and propose remediation actions.

Quick win: Watch some YouTube tutorials on Celonis or UiPath Process Mining. Talk to our IT team about what system logs are available.

11Staying current once you are in

What people here do to keep up
  • Regularly attend industry conferences and webinars on operational risk, resilience, and emerging technologies (e.g., AI in risk).
  • Participate in professional networking groups for risk managers to share best practices and learn from peers.
  • Take online courses or workshops on advanced data analytics, process mining, or AI ethics.
  • Seek out opportunities to present on risk topics internally and potentially externally.
  • Mentor junior colleagues, as teaching is often the best way to solidify your own understanding.

12The rising capability

The rising capability

Zavmo analysis

What's rising in its place

This is where the work is heading, and the higher pay with it. Get fluent here and the shift stops being a threat and starts being your edge.

AI-Powered Risk Scenario Modelling

As AI becomes more sophisticated, it'll move beyond just identifying patterns in historical data. We'll be able to use it to run complex 'what-if' scenarios, simulating the impact of various operational disruptions (e.g., a major supplier failure, a cyberattack) with far greater accuracy and speed than traditional methods. This means better predictive capabilities.

  • Generative Adversarial Networks (GANs)
  • Agent-Based Modelling
  • Reinforcement Learning for Optimisation
  • Causal AI

Digital Ethics & Responsible AI Risk Management

As our operations increasingly rely on AI and automation, the ethical implications and new types of risks (e.g., algorithmic bias, lack of transparency, 'black box' decision-making) become critical. Regulators are paying close attention, and we need to manage these risks proactively to maintain trust and avoid reputational damage.

  • Algorithmic Bias Detection & Mitigation
  • AI Explainability (XAI)
  • Data Privacy in AI Models
  • AI Governance Frameworks

13What you’ll use

What you’ll use

Skills this role draws on

Technical

  • Risk & Control Self-Assessment (RCSA)
  • Three Lines of Defence (3LOD) Model
  • Root Cause Analysis (RCA)
  • KRI/KCI Development & Monitoring
  • COSO Framework
  • Business Impact Analysis (BIA)

14The pathway

The pathway

How you actually get there, here

How you become one varies far more by country than what one does. This is the UK route. Most people take one of these ways in; the right one depends on where you're starting from.

  1. 1

    Senior Operational Risk Specialist (L3)

    3-5 years in that role

    Skills to master

    • Leading RCSA cycles for major departments, mentoring junior analysts, deep expertise in a specific risk category (e.g., supplier risk, cyber operational risk), and effectively influencing mid-level managers.

    You're ready to move on when

    • Consistently delivers high-quality risk assessments with minimal supervision.
    • Has successfully led multiple complex risk initiatives end-to-end.
    • Is sought out by business owners for risk advice.
    • Has informally mentored junior colleagues and helped them develop.
    • Demonstrates strong communication skills with senior stakeholders.
  2. 2

    Internal Audit Manager (Operations Focus)

    4-6 years in that role

    Skills to master

    • Deep understanding of control effectiveness testing, audit methodologies, identifying control gaps, and reporting findings to senior management. Experience leading audit engagements focused on operational processes.

    You're ready to move on when

    • Has led multiple operational audits from planning to reporting.
    • Demonstrates strong analytical skills in identifying control weaknesses.
    • Is adept at challenging business processes and control owners.
    • Can clearly articulate audit findings and their business impact.
    • Has experience managing audit teams or projects.
  3. 3

    Operations Manager (with strong Risk Focus)

    5-8 years in that role

    Skills to master

    • Hands-on experience managing complex operational processes, understanding day-to-day challenges, and a proven track record of implementing controls and improving process resilience from a 'first line' perspective. This path brings invaluable practical insight.

    You're ready to move on when

    • Has successfully managed a significant operational team or function.
    • Has demonstrably improved operational efficiency and reduced errors.
    • Proactively identified and mitigated risks within their own operations.
    • Understands the practical challenges of implementing controls.
    • Has a strong network within the Operations department.

15Where this role leads

The long view: This work can lead to director-level risk roles, or into enterprise risk management covering all risk types across an organisation.

The ten Future Fluencies

Zavmo analysis

The credential is what you can do today. These are what keep you valuable.

A qualification proves you can do the job as it's defined today. These ten are what decide whether you're still the obvious person for it in five years. They're the capabilities employers are now writing into senior roles faster than people are learning them. Zavmo weaves them through whatever you study, so you come out with both: the credential and the fluency.

The highlighted ones are the Fluencies your role leans on hardest, from how Head of Operational Risk is actually changing.

How you would learn this

One to one, on the work you already do

A tutor sets the task against your own job and marks the reasoning, at your pace. There is no cohort to fall behind.

A lesson from Risk management, worked against Head of Operational Risk.

Risk management Level 5

Applied to your work in Head of Operational Risk

This unit aims to equip learners with a thorough understanding of the principles and importance of risk management within an organisation. Learners will be able to identify, assess, control, and mitigate different types of risks, and understand the importance of monitoring and reviewing risk management strategies to achieve organisational objectives.

How the thinking builds
  1. 1 Remember
  2. 2 Understand
  3. 3 Apply
  4. 4 Analyse
  5. 5 Evaluate
  6. 6 Create
An illustration of a Zavmo lesson, built from this role’s own route. The unit, its objective and every criterion above are the awarding body’s own words, not an example.

It is £70 a month, billed monthly. Your free first module is Future Fluency, and you can cancel any time.

See Your Progress Grow Illustration
Head of Operational Risk
  • Risk & Control Self-Assessment (RCSA)
  • Three Lines of Defence (3LOD) Model
  • Root Cause Analysis (RCA)
  • KRI/KCI Development & Monitoring
  • COSO Framework
  • Business Impact Analysis (BIA)
This is your Mind Palace on learn.zavmo.ai. Every skill above comes from this role's own record, not an example borrowed from another job. A node lights up when you evidence it, and what you build stays yours between jobs. That is the part a course cannot do.

16The detail, folded away

Everything else the record holds

The career branches in full, how AI is already showing up in the day-to-day, and the questions people ask about this job. Here when you want them, out of the way while you decide.

Where it leads next, rung by rung

Where it leads

The career path, and where it branches

Head of Operational Risk is a start, not a ceiling. Each step below asks for new skills and hands back more autonomy.

  1. Senior Manager, Operational Risk (L5)

    3-5 years in the Lead role

    This is a significant step up, moving from managing programmes and a team to directing an entire functional area or multiple programmes. You'll manage other risk managers and be responsible for the risk profile of an entire division.

    • Risk Appetite Frameworks Helping to define and embed the organisation's risk appetite at a divisional level.
    • Integrated Risk Management Ensuring operational risk is integrated with other risk types (e.g., credit, market, cyber) across the division.
    • Regulatory Engagement Direct engagement with regulators on operational resilience and risk matters for your division.
    • P&L Ownership (Risk Perspective) Understanding the financial impact of risk decisions and potentially managing a larger functional budget.
Working with AI on the job

Working with AI

Where AI is starting to help

Let's be honest, a big chunk of risk management can feel like a grind: sifting through data, drafting reports, chasing evidence. Imagine if you could offload some of that heavy lifting to smart AI tools. You can. We're building an 'AI Productivity Hub' to help you do just that, giving you back precious time to focus on the strategic, human side of risk.

As a Lead Head of Operational Risk, your time is gold. You should be influencing, strategising, and coaching, not drowning in paperwork. Our AI tools aren't here to replace your judgment; they're here to be your super-efficient assistant, handling the repetitive, data-intensive tasks so you can focus on what really matters: understanding complex risks and building relationships.

Automated Control Monitoring

Use AI agents to automatically query our ERPs (like SAP S/4HANA), access logs, and other systems to gather evidence for control testing. For example, 'Did all new high-value vendors have a senior manager's approval?' The AI can collect the data, shifting your team's focus from manual evidence gathering to reviewing exceptions and deep-diving into anomalies.

Incident Theme Analysis

Apply Natural Language Processing (NLP) to analyse thousands of unstructured incident reports and 'near miss' descriptions. The AI can quickly identify recurring themes, hidden root causes, and systemic issues that are impossible for humans to spot at scale. This means you'll get insights into emerging trends much faster, allowing for proactive mitigation.

Horizon Scanning for Emerging Risks

Configure an AI to continuously monitor regulatory announcements, industry news feeds, geopolitical reports, and even social media. It can flag and summarise potential emerging risks (e.g., new supply chain vulnerabilities, pending labour regulations, cyber threats) relevant to your specific operations, giving you a crucial head start on future challenges.

First-Draft Policy & Report Generation

Use a Large Language Model (LLM) to generate the first draft of a new risk policy, a quarterly risk summary report for your business lines, or even an internal communication about a new control. Provide it with the key data points and an outline, and it can create a well-structured document, freeing you up to focus on the strategic insights, critical review, and messaging.

Common questions

Common questions

How do you become a Head of Operational Risk?

Common routes in include Senior Operational Risk Specialist (3-5 years in that role), Internal Audit Manager (Operations Focus) (4-6 years in that role) and Operations Manager (with strong Risk Focus) (5-8 years in that role). Times vary with prior experience.

Where can a Head of Operational Risk progress to?

This role can lead on to Senior Manager, Operational Risk (3-5 years in the Lead role), depending on the skills you build.

What new skills matter most for a Head of Operational Risk?

Increasingly, AI-Powered Risk Scenario Modelling and Digital Ethics & Responsible AI Risk Management. These are the skills our record of this role lists as growing.

Free tools

Want a read on where you stand?

Three free tools, no account needed. Each one ends with a role, a level and a way in.

17Where to go from here

Other roles at Level 5

Same depth of qualification, different job. Useful if the work appeals but this particular role does not.

More jobs in operations

Stay in the field you know and move sideways rather than up.

If you leave this industry

The skills built as a Head of Operational Risk transfer across industries, including financial services, manufacturing and technology. Some move into consultancy work focused on operational resilience and risk transformation.

This role profile is © 2026 Growth Engineering Technologies Ltd. Built from UK occupational standards and regulated qualification data, and written for Zavmo.

You're not behind. You're right on time. The shift is only just beginning. Your role won't look the same in two years. Be the one who leads the change, not the one it happens to. Start my free Automation Fluency module What happens next: a free account, then we build your plan as you set up. No card. Build your plan, see your roadmap and meet the twelve tutors matched to you. All free. When you're ready to start learning, it's £70 a month, billed monthly. Cancel any time and billing stops.