Head of Credit Risk Modelling & Strategy – Lead & Innovate

Neobankbeat; Cardiff; On-site; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Pension scheme

Private medical insurance

Volunteering time (16 hours)

Cycle to Work

Wellness benefits

Job summary

Starling Bank, a leading digital bank in the UK, seeks a Head of Credit Decision Modelling and Strategy in Cardiff. You will lead development and ongoing enhancement of credit risk decisioning models and affordability strategies, ensuring alignment with risk appetite and regulatory standards.

You’ll manage a high-performing team, engage with stakeholders across the business, and stay ahead of industry trends to strengthen credit risk management. A senior leadership role with broad impact.

Qualifications

• 10+ years’ experience in Credit Risk within a Banking environment.
• Strong experience of credit risk modelling, gained through model development or validation related roles.
• Strong understanding of retail and SME lending products.
• Experience of developing and maintaining credit risk strategies, ideally in an unsecured retail lending environment.

Responsibilities

• Lead the development, monitoring and maintenance of the Bank’s credit risk decisioning models, including acquisition scorecards and affordability models.
• Develop and monitor automated decisioning strategies for the Bank’s lending products.
• Define standards for credit risk model development in line with the Model Risk Framework.
• Ensure all models comply with UK regulatory standards (PRA/FCA).
• Collaborate with internal stakeholders to align models with business objectives.
• Document models and outputs for senior stakeholders and committees.
• Lead and develop a high-performing team of risk modelling analysts.
• Keep abreast of regulatory requirements to enhance credit risk management.

Skills

Credit risk modelling

Model risk governance

Python

R

SAS

Stakeholder management

Leadership

Tools

Python

R

SAS

Job description

Starling Bank, a leading digital bank in the UK, seeks a Head of Credit Decision Modelling and Strategy in Cardiff. You will lead development and ongoing enhancement of credit risk decisioning models and affordability strategies, ensuring alignment with risk appetite and regulatory standards.

You’ll manage a high-performing team, engage with stakeholders across the business, and stay ahead of industry trends to strengthen credit risk management. A senior leadership role with broad impact.