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Our graduate and internship programmes aren't affected by this, and are still open for applications.


Risk influences everything we do, and every decision we make as a bank. As we continue to evolve against a backdrop of rapidly changing customer needs, regulations, markets, and technologies, our risk teams are more important than ever.

Good risk management isn’t about ticking boxes, or about saying ‘no’. It’s about a state of mind. It’s about understanding who we are as a business, and it’s about human behaviour. It’s about being pro-active and asking ‘what if?’ More than anything else, it’s about being determined to do the right thing for our customers, always.

That’s why we invest in our people’s capabilities, and support them in their development. A career in Risk at RBS is a chance to continue learning. Whether you’re studying for a professional qualification, following a tailored learning programme, or being mentored by one of our senior leaders, we’ll help you to keep challenging yourself. And with the diversity of our risk community – spanning across all our businesses and functions, taking in a number of distinct disciplines, and looking at the bank’s work from every angle possible – a career here will always give you the chance to do something new.

"We live in a world that changes rapidly which means there are new risks emerging all the time, from new regulation being introduced to new ways of paying for goods. By putting the customer at the heart of everything we do, we ensure we are prepared, that our decisions are sound and provide a good outcome for our customer’s needs."

Jennie Koo, Risk Performance Oversight

Whatever your background and skillset, there’s a role in Risk to meet your interests and to challenge you.

Enterprise Wide Risk

While some areas of our Risk function set policy and consider the risks to particular portfolios and entities under changing conditions, or make sure that each area has the best processes and controls possible, there are some types of risk that are only be understood when looking at our organisation as a whole.

That’s where Enterprise Wide Risk comes in. We manage areas like capital and liquidity risk which only become clear when looking at the bank in its entirety, and are a centre of excellence for all centralised model risk development. We also own the overall risk management framework, and work on how it is used across the bank so that risks are understood and managed consistently.

Our diverse teams cover a range of specialisms, from Risk Appetite and Culture to Economic Capital and Earnings Risk. Our Stress Testing and Risk Capital team provides deep insight into our capital requirements, and allow management to see the impact of different scenarios on our balance sheet.

Stress testing is a relatively new and rapidly developing discipline which is increasingly used to make business and strategic decisions, as well as reporting on capital adequacy to our regulators. Our respected team is leading the industry, developing a firm-wide framework whose insights drive informed commercial decision making.

If you want to use your technical skills to build a career in one of the most forward looking and influential parts of the banking industry, please apply now.

Credit Risk

We’re the UK’s biggest supporter of small and medium enterprises, and one of the largest personal lenders. And we want to do more.

Credit Risk is at the heart of that, guiding our frontline people in making the right decisions; educating our customers about how much we will lend, and why. We’re looking long term, using financial expertise, sound judgment and commercial advice to help our customers grow, and make sure they can sustain it.

And we know that our people can only help the UK economy to grow if we help them develop themselves. That’s why we’re committed to helping our credit managers gain professional qualifications. That’s why, as the largest risk community in the bank, you’ll always have someone to support you with your goals. And because the skills you’ll develop are fundamental to what the bank does, you’ll be in the perfect place to take your career to the next level.

"Becoming a Credit Manager can be a real learning curve because there’s so much financial data to get to grips with in your work. But the team were really supportive, and I received great coaching and advice. I was surrounded by experienced people, and they happily passed on their skills. Their coaching was so valuable; it was the sort of stuff you could never have learnt straight from a book!

I really enjoyed helping customers on the front line, helping them to reach whatever goals and aspirations they had."

Imran Khatib, Risk Appetite & Policy – Credit Controls

By owning the bank’s Credit Risk framework and recommending risk appetite, we make sure that our businesses can continue to serve our customers as well as possible, whilst achieving a sustainable risk profile.

Careers in Risk

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