At a Glance
- Tasks: Develop and optimise credit strategies while analysing portfolio trends and providing insights.
- Company: Join NatWest, a leading UK retail bank focused on innovation and customer success.
- Benefits: Enjoy a hybrid work model, competitive pay, and opportunities for professional growth.
- Other info: Be part of a dynamic team driving change in a technology-driven banking environment.
- Why this job: Make a real impact in shaping credit policies and enhancing risk management strategies.
- Qualifications: Strong analytical skills and experience with coding languages like SAS or SQL required.
The predicted salary is between 55000 - 65000 £ per year.
NatWest is a major UK retail bank, providing everyday banking services to over 19 million customers. The bank's expertise and services span retail, commercial and private banking. AMS is a global workforce solutions partner committed to creating inclusive, dynamic, and future-ready workplaces. We partner with NatWest to deliver their contingent recruitment processes.
On behalf of NatWest, we are looking for a Credit Strategy Risk Manager for a contract until the end of 2026 based in Edinburgh. It will be a hybrid model.
Purpose of the role: To support the development and optimisation of credit strategies across lending products, portfolio management, and customer lifecycle activities. The role focuses on analysing opportunities, shaping credit policies, and working with stakeholders across the bank to design, implement, monitor, and enhance risk-based decision making and portfolio performance.
What you'll do:
- Develop and maintain credit risk and decision-support models to support strategic business objectives and portfolio performance.
- Monitor and manage portfolio credit risk, including bad debt provisions, impairments, risk-weighted assets, and associated costs.
- Ensure personal and private lending portfolios operate within established risk appetite and regulatory frameworks.
- Analyse portfolio trends and provide data-driven insights to support risk management and business decision-making.
- Lead and support the design, development, and implementation of key credit risk and strategic change initiatives.
- Collaborate with stakeholders across the business to influence customer management strategies, drive automation, and provide constructive risk challenge where appropriate.
The skills you'll need:
- Strong analytical and problem-solving skills with experience using coding languages such as SAS, SQL, or similar.
- Solid understanding of banking, credit risk management, and regulatory requirements.
- Proficiency in analytical, reporting, and presentation tools to deliver data-driven insights.
- Experience developing, implementing, and monitoring risk strategies, models, and frameworks.
- Strong project management and stakeholder engagement skills, with the ability to work effectively across teams.
- Excellent communication skills, with the ability to translate complex technical concepts into clear business-focused recommendations for non-technical audiences.
There are plenty of reasons why NatWest is a great place to work in a temporary job; they are becoming a simpler Bank, which is more integrated and technology driven. You'll be helping to build a sustainable bank, committed to helping customers to succeed.
We will only accept workers operating via an Umbrella or PAYE engagement model. If you are interested in applying for this position and meet the criteria outlined above, please click the link to apply and we will contact you with an update in due course.
Credit Strategy Risk Manager employer: AMS CWS
NatWest is an excellent employer, offering a dynamic and inclusive work culture that prioritises employee growth and development. With a commitment to innovation and sustainability, employees in Edinburgh benefit from a hybrid working model that fosters collaboration while allowing for flexibility. Joining NatWest means being part of a forward-thinking team dedicated to shaping the future of banking and making a meaningful impact on customers' lives.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Risk Manager
✨Tip Number 1
Network like a pro! Reach out to your connections in the banking and risk management sectors. A friendly chat can lead to opportunities that aren’t even advertised yet. Don’t be shy; we all love a good conversation!
✨Tip Number 2
Prepare for those interviews by practising common questions related to credit risk and decision-making. We recommend using the STAR method to structure your answers. It’ll help you showcase your analytical skills and project management experience effectively.
✨Tip Number 3
Show off your coding skills! If you’ve got experience with SAS or SQL, make sure to highlight it during discussions. We know how important these skills are for the role, so don’t hold back on sharing your successes with data-driven insights.
✨Tip Number 4
Apply through our website! It’s the easiest way to get your application noticed. Plus, we’re here to support you every step of the way, so let’s get you that Credit Strategy Risk Manager position at NatWest!
We think you need these skills to ace Credit Strategy Risk Manager
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Credit Strategy Risk Manager role. Highlight your analytical skills and experience with coding languages like SAS or SQL, as these are key for the position.
Craft a Compelling Cover Letter:Your cover letter should tell us why you're the perfect fit for NatWest. Use specific examples from your past experiences that demonstrate your understanding of credit risk management and stakeholder engagement.
Showcase Your Analytical Skills:Since this role focuses heavily on data-driven insights, be sure to showcase your analytical prowess. Mention any relevant tools or methodologies you've used to analyse portfolio trends and make decisions.
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. This way, we can keep you updated on your application status and ensure your details are processed correctly.
How to prepare for a job interview at AMS CWS
✨Know Your Numbers
As a Credit Strategy Risk Manager, you'll need to be comfortable with data. Brush up on your analytical skills and be ready to discuss specific metrics related to credit risk management. Familiarise yourself with key performance indicators and how they relate to portfolio performance.
✨Understand the Regulatory Landscape
Make sure you have a solid grasp of the regulatory requirements that impact credit risk in banking. Be prepared to discuss how these regulations influence decision-making and risk appetite. This shows that you’re not just technically savvy but also aware of the broader context.
✨Showcase Your Stakeholder Skills
Collaboration is key in this role. Think of examples where you've successfully engaged with stakeholders to drive change or influence strategies. Be ready to explain how you can bridge the gap between technical concepts and business-focused recommendations.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that test your problem-solving abilities. Prepare by thinking through potential challenges in credit strategy and how you would approach them. This will demonstrate your critical thinking and strategic mindset.
