Brad Mcilwraith Email & Phone Number

Edinburgh, Scotland, GB

Edinburgh, United Kingdom

• Leading a team of direct reports and cross functional colleagues I am responsible for delivering new product journeys and enhancements into NatWest Group's mobile app including commissioning of customer research.
• In this role I have also been responsible for commercial performance of products, namely Back Book Balance Transfers- I have dramatically increased volume, profitability, added new channel capability whilst.
• Latterly, I have delivered enhancements to the bank’s ‘Know my Credit Score’ within the mobile app- launching two major new features to enhance functionality (UK Bank Firsts) by leveraging my strong UX/CX experience.

• Responsible for designing and developing new channel capability as well as new credit card products and features maintaining responsibility for pricing and managing P&L impact.
• Undertook delivery of medium to long term change projects across the credit card portfolio including both regulatory and commercial deliverables as key subject matter expert
• In this role I faced off directly to regulatory bodies, providing updates on progress against key mandatory legislative requirements and working with stakeholders across the business to ensure these are delivered to.
• Risk owner for credit cards including all risk management elements within the credit cards product team, including management of risk events, escalation and resolution of any emerging issues, incidents and regular.

• Responsible for maintaining and monitoring current account portfolio with respect to achieving income volume targets agreed with the business
• I led in the development of product and pricing strategies and the design and development of the current account range
• Led/undertook significant backbook rationalisation project which massively simplified current book and drove overall uplift to P&L
• Continually assessed the performance of the current account range, the regulatory landscape and external market trends and developments to ensure the customer proposition is as effective as possible
• Developed informed and sustainable recommendations including innovations, improvements and interventions to maintain the compliance across the range
• Acted as a point of reference / SME for current accounts, based on a deep understanding of customer needs and market trends and developments in these areas

• PRINCE2 qualified practitioner.Planning, organising, leading and controlling projects in order to deliver business solutions to the quality required, within agreed timescales and budgets.
• Defining the scope of the project or service; managing goals, risks, issues, and resources.
• Ensuring appropriate Quality Assurance procedures are applied through the lifecycle.
• Identifying project or service stakeholders at an early stage, and for ensuring that deliverables can achieve the benefits defined in the business case.
• Managing projects or services that have a number of directly controlled multi-disciplinary teams (including third parties) throughout multiple locations

Various customer facing roles.