Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices.

Reporting to the 1LOD Head of Credit Risk, we are looking for a Credit Risk Manager to play a pivotal role in the credit risk strategy design and oversight of Starling’s third party asset portfolios, including subsidiaries.

Key Responsibilities:

Oversight and contribution to credit strategy design for third party asset credit portfolios, predominantly focusing on retail mortgages (owner occupied and buy-to-let)
Detailed portfolio monitoring to proactively highlight areas of marginal risk and/or concern
Taking a lead role in supporting changes to subsidiary credit policies and strategies, enabling appropriate governance steps to be undertaken
Identifying, monitoring and highlighting emerging risks related to credit risk on the Bank’s third party asset portfolios
Act as subject matter expert on credit risk across the full product lifecycle, particularly in relation to retail mortgages
Build strong stakeholder relationships, both with internal and key external contacts
Provide support to analysts in the team with line management responsibilities available

Requirements

Substantial experience in a risk or credit function within an FCA regulated company, ideally including retail mortgages
Proven track record in the design, creation, implementation and enhancement of credit strategy across the lifecycle
Experience working alongside or within data functions
Familiar with regulations and lending standards applicable to lending in the UK
Excellent influencing, interpersonal and communication skills
Excellent attention to detail and an ability to identify trends, issues or opportunities from information to hand (both qualitative and quantitative)
Highly numerate, with a relevant degree and excellent analytical skills
Coding experience would be beneficial but not essential (SQL, Python etc.)
Highly organised, with the ability to deliver to deadlines and manage conflicting priorities within a dynamic environment

Benefits

25 days holiday (plus take your public holiday allowance whenever works best for you)
An extra day’s holiday for your birthday
Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
16 hours paid volunteering time a year
Salary sacrifice, company enhanced pension scheme
Life insurance at 4x your salary
Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
Generous family-friendly policies
Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

About Us

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.

We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.

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