At a Glance
- Tasks: Analyse credit strategies and enhance risk-based decision making for lending products.
- Company: Join NatWest, a leading UK retail bank with a focus on innovation and sustainability.
- Benefits: Hybrid working model, competitive pay, and opportunities for professional growth.
- Other info: Collaborative environment with a commitment to diversity and inclusion.
- Why this job: Make a real impact in shaping credit policies and driving strategic change.
- Qualifications: Experience in credit risk management and strong analytical skills required.
The predicted salary is between 60000 - 80000 £ 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. We help organisations adapt, grow, and thrive in an ever-evolving world by building, shaping, and optimising diverse talent strategies.
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.
The role focuses on:
- Supporting the development and optimisation of credit strategies across lending products, portfolio management, and customer lifecycle activities.
- 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.
- Developing and maintaining credit risk and decision-support models to support strategic business objectives and portfolio performance.
- Monitoring and managing portfolio credit risk, including bad debt provisions, impairments, risk-weighted assets, and associated costs.
- Ensuring personal and private lending portfolios operate within established risk appetite and regulatory frameworks.
- Analysing portfolio trends and providing data-driven insights to support risk management and business decision-making.
- Leading and supporting the design, development, and implementation of key credit risk and strategic change initiatives.
- Collaborating with stakeholders across the business to influence customer management strategies, drive automation, and provide constructive risk challenge where appropriate.
Requirements:
- 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.
Locations
Credit Risk Strategy Initiatives Manager in Glasgow, North East employer: AMS CWS
NatWest is an exceptional employer, offering a dynamic work environment in the heart of Edinburgh, where innovation meets tradition. With a strong commitment to employee growth and development, NatWest fosters a culture of collaboration and inclusivity, ensuring that every team member can thrive while contributing to the bank's mission of building a sustainable future. The hybrid working model provides flexibility, allowing employees to balance their professional and personal lives effectively.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Strategy Initiatives Manager in Glasgow, North East
✨Join Financial Networking Events
Jump into local finance meetups and conferences — they’re a goldmine for temporary roles in banking and financial services. You can chat with industry professionals and even get leads on upcoming opportunities that might not be posted online yet.
✨Utilise Temp Agencies Specialised in Finance
Reach out to temp agencies that focus on the banking sector. They often have strong ties with various firms and can help you secure short-term gigs that can help beef up your CV and get your foot in the door at firms like AMS CWS.
✨Connect with Alumni from Your Uni
Don't underestimate the power of your university’s alumni network. Many former students are working in banking and can help you find temporary roles or even offer mentorship. Reach out directly or attend alumni events to broaden your circle.
✨Stay Active on Job Boards and Company Websites
Keep your eyes peeled on job boards specifically for finance roles. Companies like AMS CWS might post temporary positions directly on their sites, so make sure to apply there too. Set alerts to catch those roles the moment they go live!
We think you need these skills to ace Credit Risk Strategy Initiatives Manager in Glasgow, North East
Some tips for your application 🫡
Show Off Your Academic Achievements:In banking and financial services, your academic record can really make you stand out. List relevant grades, certifications, or coursework on your CV, especially if you've taken finance-related modules. This is particularly important for a temporary role where qualifications can help you shine even brighter!
Highlight Relevant Experience:If you’ve done any internships, part-time roles, or even coursework that aligns with banking or finance, make sure you include those! Showcase specific tasks where you used quantitative skills or analytical thinking, as this is what the hiring managers at AMS CWS will be keen to see in your application.
Tailor Your Cover Letter Purposefully:When writing your cover letter, focus on why you’re interested in a temporary position at AMS CWS. Let them know how you can quickly adapt to the team's needs and how eager you are to learn the ropes of the banking sector during this short stint. Your motivation and enthusiasm could really set you apart!
Be Prepared with References:For temporary roles, references can play a crucial role in your application. Make sure you’ve got a couple of references lined up who can vouch for your skills and work ethic. This helps to give AMS CWS confidence in your short-term commitment to the role.
How to prepare for a job interview at AMS CWS
✨Brush Up on Financial Regulations
Since this is a role in banking and financial services, be ready to discuss key regulations like MiFID, Basel III, or GDPR. These are hot topics, and your awareness of how they impact daily operations can give you a significant edge during your interview with AMS CWS.
✨Showcase Your Analytical Skills
Prepare for interview questions that assess your analytical abilities. You might need to tackle hypothetical scenarios involving risk assessment or financial forecasting. Bringing examples of relevant projects or coursework can emphasise your practical understanding of these concepts.
✨Highlight Flexibility and Adaptability
For a temporary role, showing that you can quickly pick up new processes and tools is crucial. Be ready to discuss previous experiences where you had to adapt to changing requirements or tight deadlines, as this will reassure AMS CWS that you’re a reliable team player.
✨Demonstrate a Willingness to Learn
In a temporary position, leaning into your eagerness to learn can really set you apart. Be prepared to share how you’re staying updated on industry trends or any additional training you've pursued. Employers appreciate candidates who are proactive about their development—even for short-term roles.
