Prudential Risk Manager

“Strengthen financial resilience, shape regulatory insight, and drive prudential risk excellence.”

At Castle Trust Bank, we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.

We are seeking an experienced and analytically strong Prudential Risk Manager to lead the development and delivery of the Bank’s prudential risk framework.

This role is based in London or Basingstoke on a hybrid capacity 3 days a week in the office and 2 days at home.

The role and what you’ll lead and deliver:

This is a key role responsible for owning and delivering core prudential documents including ICAAP, ILAAP and Recovery Plan, ensuring governance, regulatory compliance and alignment across capital and liquidity frameworks. You will play a critical role in maintaining the Bank’s financial resilience and regulatory position.

Working closely with Finance, Treasury, Risk and Regulatory Reporting teams, you will provide insight, challenge and coordination across prudential activities, ensuring effective integration of risk, capital and liquidity planning.

Prudential Reporting & Frameworks

• Lead the production of key prudential documents including ICAAP, ILAAP, Recovery Plan and related submissions
• Act as document owner, ensuring governance requirements and regulatory expectations are met
• Co-ordinate the execution of LCP, SEA and other regulatory reporting requirements
• Ensure alignment across prudential frameworks and stress testing outputs

Regulatory Compliance & Horizon Scanning

• Monitor and interpret changes in prudential regulation impacting capital and liquidity frameworks
• Conduct horizon scanning in collaboration with Risk and Compliance teams
• Ensure changes to regulatory interpretations are implemented effectively
• Present updates and insights at governance forums including the Accounting Policy & Regulatory Reporting Committee

Capital, Liquidity & Risk Insight

• Provide prudential risk expertise and challenge across credit, market, liquidity and operational risk assessments
• Analyse capital and liquidity movements under different scenarios
• Co-ordinate the stress testing, scenario analysis and financial projections
• Prepare prudential MI for senior governance forums including Risk Forum and Board Risk Committee

Governance & Controls

• Maintain and enhance the prudential regulatory control framework
• Support the development of reporting systems and internal controls
• Ensure consistency and linkage across capital, liquidity and recovery planning
• Maintain policies and procedures supporting prudential reporting and governance

Stakeholder Collaboration

• Work closely with Finance, Treasury, Risk and Regulatory Reporting teams
• Coordinate prudential inputs across the business to support integrated planning
• Advise stakeholders on prudential risk management and regulatory expectations

What you’ll bring:

Essential

• Strong experience within a financial institution, consultancy or banking environment
• Proven experience supporting or delivering ICAAP, ILAAP and Recovery Plan processes
• Good understanding of capital and liquidity frameworks and banking balance sheet dynamics
• Experience with stress testing, scenario analysis and financial modelling
• Strong analytical and problem-solving capability with attention to detail
• Ability to interpret and apply UK prudential regulation in practice
• Excellent written and verbal communication skills, with the ability to influence stakeholders

Why join Castle Trust Bank?

• Competitive salary
• Performance bonus (based on individual and company performance)
• Generous contributory pension through Hargreaves Lansdown
• Life Assurance
• 25 days’ holiday + option to buy/sell 5 days
• Additional paid volunteering day
• Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
• Free access to BHSF Rise EAP to support colleague health and wellbeing
• Gym discounts
• Season ticket travel loans (if applicable)
• A supportive, inclusive culture where your work has real impact

Diversity & Inclusion

Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.

We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact talent@castletrust.co.uk.

Caught your attention? If so, we’d love to talk to you and tell you more about what it’s like to work at Castle Trust Bank – The Place To Work!