At a Glance
- Tasks: Develop and optimise credit strategies while analysing portfolio trends and managing risk.
- 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 committed to building a sustainable future in banking.
- Why this job: Make a real impact in banking by shaping credit policies and driving strategic change.
- 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 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.
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 in Livingston employer: AMS CWS
NatWest is an excellent employer, offering a dynamic and inclusive work environment in the heart of Edinburgh. With a strong commitment to employee growth and development, NatWest provides opportunities for meaningful contributions to the banking sector while fostering a culture of innovation and collaboration. The hybrid working model allows for flexibility, making it an attractive choice for professionals seeking to thrive in a forward-thinking organisation.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Strategy Risk Manager in Livingston
✨Tip Number 1
Network like a pro! Reach out to folks in the banking and credit risk space on LinkedIn. A friendly message can go a long way, and you never know who might have the inside scoop on job openings.
✨Tip Number 2
Prepare for those interviews by brushing up on your analytical skills. Be ready to discuss how you've used coding languages like SAS or SQL in past roles. Show them you can turn data into actionable insights!
✨Tip Number 3
Don’t just apply and wait! Follow up on your applications. A quick email to express your enthusiasm can keep you top of mind with recruiters. Plus, it shows you're genuinely interested in the role.
✨Tip Number 4
Check out our website for more opportunities! We’ve got loads of roles that could be a perfect fit for your skills. Applying through us means you’ll get the support you need to land that dream job.
We think you need these skills to ace Credit Strategy Risk Manager in Livingston
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 this role. 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:We encourage you to apply through our website for a smoother process. This way, we can keep track of your application and get back to you with updates more efficiently!
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
Familiarise yourself with the current banking regulations and credit risk management frameworks. Be prepared to discuss how these impact credit strategies and portfolio management. Showing that you’re up-to-date will demonstrate your commitment to compliance and risk management.
✨Stakeholder Engagement is Key
This role involves collaborating with various teams. Think about past experiences where you've successfully engaged stakeholders. Be ready to share how you’ve influenced customer management strategies or driven change initiatives through effective communication.
✨Prepare for Technical Questions
Expect questions related to coding languages like SAS or SQL. Brush up on your technical skills and be ready to explain how you've applied them in real-world scenarios. This will show that you can bridge the gap between technical concepts and business needs.
