Impairment Modelling Lead — IFRS9 & Analytics

Starling; Cardiff; On-site; GBP 90,000 - 130,000; Full time

Benefits offered by this job

25 days holiday

Birthday leave

Pension scheme

Private medical insurance

Life insurance

Perkbox benefits

Cycle to work

Volunteer time

Salary sacrifice

Family-friendly policies

Job summary

Starling Bank is seeking an Impairment Modelling Lead to own end-to-end IFRS 9 models within the Credit Risk Modelling Team. The role requires strong Python skills, leadership experience and a track record in impairment modelling.

You'll work with stakeholders, document methodologies and monitor model performance, ensuring regulatory compliance and robust risk management across our Cardiff office and broader UK network.

Qualifications

• Experience in developing impairment models and IFRS 9 modelling.
• Proven ability to lead teams and influence stakeholders.
• Strong understanding of regulatory requirements and compliance.
• Track record of managing complex model development projects.
• Excellent communication and collaboration skills within cross-functional teams.
• Detail-oriented with strong problem-solving abilities.
• Ability to switch between tasks and priorities smoothly.
• Graduate-level or numerical degree preferred with relevant work experience.

Responsibilities

• Own end-to-end development, execution and maintenance of IFRS 9 models.
• Collaborate with stakeholders to ensure model developments meet business requirements.
• Produce detailed model documentation including methodology, assumptions and limitations.
• Monitor model performance and conduct regular reviews for accuracy and stability.
• Work with model validation teams to address findings and ensure robustness.

Skills

Impairment modelling

Leadership

Regulatory requirements

Stakeholder management

Organised and adaptable

Attention to detail

Communication and teamwork

Education

Numerical degree

Tools

Python

Job description

Hello, we're Starling. We built a new kind of bank because we knew technology had the power 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.

We are looking for a talented and passionate Impairment Lead to join our Credit Risk Modelling Team. Our team plays a critical role in developing and maintaining credit risk models across Starling.

As Impairment Modelling Lead, you will be responsible for:

• Owning the end to end development, execution and maintenance of IFRS 9 models
• Working closely with stakeholders to ensure that model developments meet business requirements
• Producing detailed model documentation, including methodology, assumptions, and limitations
• Monitoring model performance and conducting regular reviews to ensure accuracy and stability
• Collaborating with model validation teams to address any findings and ensure models are robust
  
  

Requirements

• Ideally a minimum 5-10 years' experience in developing impairment models
• Strong experience in team leadership roles.
• Proficient in the use of analytical tools, specifically Python.
• Graduate level education preferable, ideally in a numerical degree (or an equivalent work experience)
• A proven ability to interpret and comply with regulatory requirements
• Proven experience in influencing, negotiation and relationship management
• Organised, flexible and adaptable, with the ability to switch between tasks seamlessly
• Strong problem-solving skills and attention to detail
• Excellent communication and teamwork abilities
  
  

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
  
  

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 Bank 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 Bank 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.

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