Credit Analytics Lead & Credit Risk

Starling Bank; Greater London; On-site; GBP 100,000 - 125,000; Full time

Job summary

A leading digital bank in the UK is seeking a Credit Analytics Lead to oversee data analytics within the credit risk team. The role involves leading insights and support across lending products, including mortgages and SME loans. Candidates should have significant experience in credit risk, a strong analytical background using data tools such as Python and SQL, and the ability to communicate challenges effectively. This position offers a collaborative environment with opportunities for professional growth.

Benefits

25 days holiday

Extra day off for birthday

Annual leave increases with service

Paid volunteering time

Company-enhanced pension scheme

Private Medical Insurance

Family-friendly policies

Employee discounts program

Qualifications

• Experience in credit assessment/risk in a technical analytics role.
• Ability to articulate challenges both verbally and in writing.
• Understanding of current regulations for retail and SME lending.

Responsibilities

• Lead on data analytics within credit risk across all lending products.
• Support key projects and due diligence on third-party outsourcers.
• Drive best practice in the bank's approach to credit management.

Skills

Data analytics background

Attention to detail

Proven self-starter

Education

Substantial experience in credit risk

Tools

Python

SQL

Excel

Job description

Hello, we’re Starling. We built a new kind of bank because we knew technology had thepower 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.

As a Credit Analytics Lead in the Credit Risk team, you'll be a senior team member with previous credit experience. You'll work across all of Starling's portfolios (Mortgage, SME and unsecured) and all aspects of the lending journey, including underwriting/origination, portfolio management, portfolio analysis and Collections/Recoveries.

If you’re ambitious, inquisitive, proactive and want to learn more, we want to hear from you.

Key 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.

Qualifications

• 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, MrMrs 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

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 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 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. When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Starling will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.