Location
London or Basingstoke (Hybrid: 3 days in office, 2 days remote)

Hours
Full Time

Salary
Competitive salary with performance bonus

About the Role
At Castle Trust Bank, a fintech challenger bank specialising in property mortgages, retail finance lending and savings accounts, 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 key role is responsible for owning and delivering core prudential documents including ICAAP, ILAAP and the 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.

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

Key Responsibilities
- Lead production of key prudential documents including ICAAP, ILAAP, Recovery Plan and related submissions
- Act as document owner ensuring governance and regulatory expectations are met
- Coordinate execution of LCP, SEA and other regulatory reporting requirements
- Ensure alignment across prudential frameworks and stress testing outputs
- Monitor and interpret changes in prudential regulation impacting capital and liquidity frameworks
- Conduct horizon scanning in collaboration with Risk and Compliance teams
- Present updates and insights at governance forums including Accounting Policy & Regulatory Reporting Committee
- Provide prudential risk expertise and challenge across credit, market, liquidity and operational risk assessments
- Analyse capital and liquidity movements under different scenarios
- Coordinate stress testing, scenario analysis and financial projections
- Prepare prudential MI for senior governance forums including Risk Forum and Board Risk Committee
- Maintain and enhance prudential regulatory control framework
- Support 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
- Collaborate closely with Finance, Treasury, Risk and Regulatory Reporting teams to coordinate prudential inputs and advise on regulatory expectations

Experience
- 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

About you
- 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

Qualifications
No specific qualifications stated; however, relevant experience and expertise in prudential risk management and regulatory frameworks are essential.