Michael Smith is currently the Lead Credit Risk Manager at NatWest Group, having developed expertise in risk management within the retail banking sector since 2015. Previously, they worked at Tesco Bank as a Credit Risk Manager, where they specialized in policy, assurance, and reporting for credit risk while actively supporting various initiatives aimed at enhancing operational efficiency. Michael holds a Bachelor of Arts in Accounting and Finance from the University of Strathclyde, earned in 2010, and possesses strong capabilities in SAS and SQL, alongside excellent communication and presentation skills. Their experience spans multiple retail banking products and risk disciplines, with a proven commitment to optimizing revenue and managing risk effectively.
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