Senior Data Scientist tackling high - impact business challenges within HP's e - commerce strategy. Utilizing data science and analytics to drive insights and business actions.
About the role
- Credit Analytics Lead on the Credit Risk team at Starling. Responsible for data analytics, insights on lending portfolios, and credit risk management activities.
Responsibilities
- Leading on data analytics within credit risk, providing timely analytics and insight on lending portfolios, leading investigations into areas of concern and challenge on all relevant 1st line lending activities from a credit risk perspective, covering the entire credit risk cycle across all lending products including organic and inorganic lending.
- Acting as an expert in credit risk across the full lending journey.
- Lead on the development, maintenance and monthly management of the Bank’s credit risk appetite.
- Support due diligence on any 3rd party outsourcers and/or portfolio acquisitions.
- Support both 1LOD and 2LOD teams with key projects as required.
- Support the preparation and submission of reporting to credit committees through credit expertise and market insights.
- Support the development of the credit risk team through providing training and coaching to colleagues within the team.
- Driving best practice in the bank's approach to credit management on its lending activities.
Requirements
- Substantial experience in credit risk, either in a second line environment or in a first line lending function with experience in credit assessment/risk. Specifically in a technical analytics roles (e.g. portfolio management, strategy or model development)
- Excellent attention to detail and an ability to identify trends, issues or opportunities from information to hand (both qualitative and quantitative).
- Data analytics background, preferably using Python / SQL (although evidencing transferable skills from other software (e.g. SAS) is acceptable.
- Technical and interpersonal skills, with an ability to articulate challenge, both verbally and in written reports and be challenged constructively.
- Understanding and experience in arrears, collections and recoveries for retail and / or SME lending products.
- Understanding and working knowledge of current and future regulations, e.g. CONC, MCOB
- Experienced in using Excel/Google Sheets, Word/Google Docs, Powerpoint/Google slides and preferably familiar with analytics tools such as Looker / Github / BigQuery.
- Organised, flexible and adaptable, with the ability to switch between tasks seamlessly.
- Proven and proactive self starter.
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 & group income protection
- 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
- Incentives refer a friend scheme
- 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, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing
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