Credit Risk Manager

🕒 April 20

🏢🏡 London – Hybrid

⏰ Full Time

🟡 Mid-level

🟠 Senior

👔 Manager

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Starling Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2014

🏦 Banking

💳 Fintech

💸 Finance

Banking • Fintech • Finance

Starling Bank is a UK-based digital bank providing a range of personal and business banking services. It offers current accounts, savings accounts, euro accounts, and teen-oriented banking. Starling Bank is known for its emphasis on mobile banking, featuring tools for budgeting, bill management, international money transfers, and overdraft facilities. The bank also provides business accounts tailored for sole traders and larger enterprises with multi-currency options. Award-winning security features and 24/7 customer service further define its banking services. As a fully regulated bank, Starling prioritizes sustainable banking and innovation in financial services.

📋 Description

• 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