Hybrid Credit Risk Manager

at Starling Bank

• Job title: Credit Risk Manager
• Job type: Full Time
• Experience level: Mid level, Senior
• Salary: Not specified
• Degree requirement: Bachelor's Degree
• Tech skills: Python, SQL
• Location requirements: Hybrid, London, United Kingdom

About the role

• Credit Risk Manager overseeing credit risk strategy for third party asset portfolios at Starling Bank. Focus on retail mortgages with responsibilities for governance and stakeholder relations.

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