Charles Fidler

Director Overdraft Product and Interim Director Invoice Finance/ABL Product, Natwest

Having built experience across a range of roles in frontline asset based lending and commercial banking across three major UK funders, Charles now oversees the product strategy for three of the core working capital solutions for NatWest and RBS Combining the product strategy for overdraft, invoice finance and asset based lending solutions drives delivery to the customer funding need, alongside the bank focus on capital responsibility. While the customer need to fund working capital gaps hasn’t changed hugely since the first overdraft in 1728, the way in which UK businesses wish to transact and manage their cashflow has transformed exponentially; including a shift away from traditional tangible business models. With the regulatory impact also a key factor, Charles spends his time innovating the customer journey to meet the requirements of customers, shareholders and wider stakeholders both now and in the future.