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Catriona Penny has been appointed to lead Royal Bank of Scotland’s venture banking coverage in Scotland. The appointment was announced at the Female Founders Growth Summit at the bank’s Gogarburn offices in Edinburgh on 1 October 2026. The reports describe her title slightly differently: Scottish Financial News calls her a “Venture Banking Relationship Director,” while Dundee and Angus Chamber uses “venture banking director.”
What Penny’s role is intended to cover
Penny will work with high-growth, venture-backed, innovation-led and technology-led businesses in Scotland. The stated aim is to help these companies connect with and attract capital as they expand and compete internationally.
The role is described as part of a UK-wide team that combines regional and sector expertise. The reporting also points to support from other parts of NatWest Group, including the Royal Bank Accelerator, and partnerships such as Amazon Web Services. The appointment coverage does not specify a loan product, eligibility rules, an investment commitment or a client portfolio assigned to Penny.
Penny’s financial-services background
Penny has more than two decades of experience in financial services in Edinburgh and London, including roles at Lloyds Banking Group and Virgin Money. Most recently, she was senior director for growth and acquisition finance at Virgin Money, working on lending of up to £10 million to high-growth, venture-capital-backed businesses in the UK. That figure describes her previous work; it is not a current Royal Bank of Scotland lending limit or offer.
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Why Royal Bank of Scotland says it is expanding Scottish coverage
NatWest Group’s Head of Venture Banking, Jenny Edwards, said the dedicated presence builds on accelerator and university partnerships and is intended to give founders and investors specialist support. She described the team’s offer as combining expertise, networks, partnerships and tailored financing solutions. These are the bank’s stated rationale and positioning, not evidence of independently measured business outcomes.
Penny identified energy transition, life sciences, advanced manufacturing and digital technologies as areas of opportunity for Scotland. She also said that one in five founders in Scotland are female and argued for supporting more women to start and scale businesses. Scottish Financial News attributes that statistic to Penny, but does not identify the underlying dataset or methodology.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Related Royal Bank of Scotland finance activity
Separately, NatWest Group announced in June 2026 that Royal Bank of Scotland was offering lending against intellectual property to Scottish creative businesses and university spinouts. This provides context for the bank’s reported innovation-finance activity; the announcement does not establish that the product falls within Penny’s personal remit.
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