Ray Scott Email & Phone Number

Board Trustee for Citizens Advice Edinburgh since May 2023. Joined CAE as a volunteer and qualified as a Generalist Adviser in June 2022, before joining the Board 12m laterBoard Trustee and Treasurer for People Know How, a local Social Innovation charity. Joined PKH as a volunteer in April 2022, became a Board Trustee in November 2022, and became Treasurer in September 2023.Credit Risk Executive serving NatWest & RBS for over four decades I am a proactive and highly knowledgeable senior professional in Retail and SME banking, with a career spanning over 40 years at one of the UK’s largest banking groups maintaining a FTSE 100 standing. Vastly experienced in building banking frameworks for credit lending in response to regulatory and market changes, I have demonstrable expertise in all issues relating to governance, compliance, regulation and risk. Deriving robust policies and processes from such frameworks, I have extensive, comprehensive knowledge of consumer markets, and constantly update my information to ensure I have the best understanding to keep standards high and risks low.📈 Versatile and Knowledgeable with the Highest Level Experience With practical experience handling multiple risk related activities such as underwriting and Collections & Recoveries audits, I have developed throughout my career to act as the 2nd line in preventing exposure and protecting interests. Adept at taking complex scenarios, revising them into manageable elements and finding holistic solutions, I am well known for my level headed approach within pressurised situations, and my attention to detail even in the largest of projects. 📈 Advising and Guiding Policy at Board, Government, and NED Level A leading advisors on Problem Debt Consumer portfolios, having been integral to the Money Advisory Service advisory group representing RBS and the wider banking sector for many years, I am now ready for my next challenge within the world of advisory practice. I am seeking to expand my career portfolio with a challenging and interesting new role as a Non-Executive Director, offering my vast range of skills to the Board.For more information or to discuss opportunities, please get in touch via InMail.