At a Glance
- Tasks: Develop and optimise credit strategies while analysing portfolio trends and managing risk.
- Company: Join NatWest, a leading UK retail bank with a focus 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 committed to building a sustainable future in banking.
- Why this job: Make a real impact in shaping credit policies and enhancing decision-making processes.
- 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.
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.
Credit Strategy Risk Manager in Dunfermline 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, allowing for flexibility while contributing to meaningful projects that shape the future of banking. Join a team where your analytical skills will directly impact strategic decision-making and help drive the bank's mission to support customers effectively.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Risk Manager in Dunfermline
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at NatWest or similar banks. A friendly chat can open doors and give you insights that might just help you stand out.
✨Tip Number 2
Prepare for interviews by brushing up on your analytical skills and coding languages like SAS or SQL. Be ready to discuss how you've used these in past roles to tackle credit risk challenges.
✨Tip Number 3
Showcase your project management and stakeholder engagement skills during interviews. Share specific examples of how you've collaborated with teams to drive successful outcomes in credit strategy.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we’re here to support you every step of the way in landing that Credit Strategy Risk Manager role.
We think you need these skills to ace Credit Strategy Risk Manager in Dunfermline
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 Problem-Solving Skills:In your application, don’t forget to showcase your strong analytical and problem-solving skills. We want to see how you've tackled challenges in previous roles and what strategies you used to overcome them.
Apply Through Our Website:Remember to apply through our website! It’s the best way for us to receive your application and keep you updated on the process. Plus, it shows you’re keen on joining our team!
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 or models you've worked with. Prepare examples of how you've used data to influence decision-making in previous roles.
✨Understand the Regulatory Landscape
Make sure you have a solid grasp of the regulatory requirements that impact credit risk management. Familiarise yourself with the latest regulations and be prepared to discuss how they affect lending strategies. This shows you're not just technically skilled but also aware of the broader context.
✨Stakeholder Engagement is Key
This role involves collaborating with various teams, so think about your past experiences working with stakeholders. Prepare to share examples of how you've successfully influenced others or driven change through effective communication and project management.
✨Prepare for Scenario Questions
Expect scenario-based questions that test your problem-solving abilities. Think about potential challenges in credit strategy and how you would approach them. Practising these scenarios can help you articulate your thought process clearly during the interview.
