Location
Glasgow / Glasgow City
Other Locations
London / Greater London
Northampton / Northamptonshire
Edinburgh
Salary
Circa £75,000 per annum
Contract
Permanent ( Full Time
)
Reference
3558
Closing Date
30 June 2026
Job description
The Business Banking Control Team exists to enable safe, sustainable growth. We are committed to driving risk excellence and championing proactive risk management within the first line of defence.
We are embarking on an exciting period of growth, creating several new roles focused on overseeing high-risk Business Banking processes and strengthening our control environment. These roles will play a critical part in delivering effective Controls Management in close partnership with our Business Banking colleagues. As a Senior Credit Controls Specialist, you will support the delivery of good customer outcomes by ensuring robust adherence to Credit Standards, operational processes, and Economic Crime policies. You will join a high-performing team, focused on embedding practical risk and control disciplines.
At Nationwide, we offer hybrid working wherever possible. More rewarding relationships are supported through our hybrid approach, bringing colleagues together across our UK-wide estate, whilst also supporting generous access to home working. We value our time in the office to solve problems, to learn, and to feel connected.
For this job you'll spend at least two days per week, or if part time you'll spend 40% of your working time, based at either our Northampton or London office. If you are aligned to our Glasgow or Edinburgh hub (as this is your nearest location), there will be a need to regularly connect with colleagues for collaboration events. This is anticipated to be weekly in Glasgow or Edinburgh. If your application is successful, your hiring manager will provide further details on how this works. You can also find out more about our approach to hybrid working here .
Virgin Money is now part of Nationwide
Nationwide acquired Virgin Money in October 2024. Virgin Money continues to serve customers on the high street, and there will be a phased and considered integration over the coming years.
You’ll be employed by Nationwide from day one, delivering real impact and benefitting from a highly competitive range of benefits. We’re a workplace where you’re rewarded, recognised and celebrated.
If we receive a high volume of relevant applications, we may close the advert earlier than the advertised date, so please apply as soon as you can.
What you’ll be doing
You will partner closely with Relationship Management and 1LOD Risk & Control teams to strengthen the control environment within Business Banking, whilst planning and delivering high-quality, risk-based assurance activity in line with the Risk Operating Control Scheme, ensuring scope, sampling, and execution align to defined methodologies and evidence standards.
You’ll develop and leverage data-led indicators (KPIs) to maintain and enhance the Business Banking risk profile, including assessing control effectiveness and supporting robust residual risk assessment. By developing and conducting evidence-based quality assurance and control testing across key high-risk processes, applying judgement to identify control gaps and emerging risk you will evolve the scheme over time whilst identifying material control weaknesses and overseeing the tracking and closure of remediation actions.
Utilising your communication and stakeholder management skills you will deliver clear and insightful reporting to senior stakeholders, communicating findings and providing challenge with clarity and confidence to different audiences, including senior leadership, to ensure sustainable outcomes.
About you
As a minimum you will have:
Excellent Business Lending experience with a deep understanding of the credit risks relevant in a Business Lending environment
Rounded knowledge of core lending systems – e.g. BLP, eCRS and how they are used to support end to end controls execution
Credit risk management experience – proven track record on understanding risk, controls and application and judgement of materiality
Ability to reach independent and balanced decision - with effective attention to details and well considered rationale
Excellent verbal and written communication skills – ability to create best in class, efficient and succinct reporting
A passion for understanding customers and ensuring they are at the heart of everything we do
Our customer first behaviours put customers and members at the heart of how we work together. They are the set of behaviours that every colleague needs to display, in every role:
Feel what customers feel - We step into our customers’ shoes, using their feedback and insights to empathise with them and to understand their needs, so that every decision we make starts and finishes with our customers in mind
Say it straight - We are brave in speaking out and saying what we think – we’re honest and direct with good intent, openly sharing diverse perspectives to reach the best conclusions and using language everyone can understand
Push for better - We don’t settle for mediocrity, we challenge the status quo, taking responsibility for continuous improvement and personal development
Get it done - We prioritise what will have the greatest impact, we are decisive, and we take accountability for delivering brilliant customer outcomes
You can strengthen your application by showing how our customer first behaviours resonate with you, and where you may have already demonstrated these.
The extras you’ll get
There are all sorts of employee benefits available at Nationwide, including:
25 days holiday, pro rata
Access to private medical insurance
A highly competitive pension to help you build a strong foundation for retirement
Access to an annual performance-related bonus
Training and development to help you progress your career
A great selection of additional benefits through our salary sacrifice scheme
Life assurance to provide peace of mind for you and your loved ones in the event of your death
Wellhub – access to a range of free and paid options for health and wellness
Up to 2 days of paid volunteering a year
Banking – but fairer, more rewarding, and for the good of society
We forge our own path at Nationwide.
As a mutual, we’re owned by our members - those customers who bank, save or have a mortgage with us. We challenge the financial sector status quo. We don’t see customers as the engine of our own profit. We share our profits with them and put their needs first. Always there when they need us. Supporting them and their lives.
If you’re inspired by fairer finances, passionate about making a meaningful impact, and truly care about our customers, you’re one of us.
At Nationwide, you are challenged to grow and rewarded for doing so. Valued. Recognised. Inspired to be your best. As a community, we want our working lives to count. As a team, we celebrate what we achieve. As a standard-setter, we work for the good of customers, communities, and broader society.
We are purpose-driven. Uncompromisingly customer. Unstoppably Nationwide.
What to do next
If this role is for you, please click the ‘Apply Now’ button. You’ll need to attach your up-to-date CV and answer a few quick questions for us.
We respond to everyone, so we will be in contact shortly after the closing date to let you know the outcome of your application.
Please note that should you be successful in securing this role, the job title on our internal systems will be Approach Financial Difficulties Manager.
