Lead Credit Strategy Analyst

Manchester Digital; Cardiff, Southampton, Manchester, London; On-site; GBP 50,000 - 70,000; Full time

Job summary

Starling, a leading UK bank, seeks a Lead Credit Strategy Analyst in Cardiff to develop and maintain lending strategies across retail and SME products. The role requires expertise in UK lending regulations, strong analytical skills, and effective stakeholder management. Join a team committed to reshaping banking through innovative strategies and a diverse workplace.

Benefits

25 days holiday plus public holiday allowance

Life insurance at 4x salary

Private Medical Insurance including mental health support

Access to Cycle to Work initiative

Annual leave increases with length of service

Incentivised refer a friend scheme

Perkbox membership for retail discounts

16 hours paid volunteering time a year

Generous family-friendly policies

Qualifications

• Subject matter expert on UK regulations and lending standards.
• Relevant experience in a risk or credit function within an FCA regulated company.
• Proven track record in credit strategy lifecycle management.

Responsibilities

• Developing credit decisioning lending strategies for retail and SME products.
• Driving insight to manage credit risks and maintaining portfolio performance.
• Supporting compliance with UK regulatory standards.

Skills

Analytical skills

Interpersonal skills

Communication skills

Influencing skills

Education

Relevant degree

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 2,500 people across our London, Southampton, Cardiff and Manchester offices.

Reporting to the Senior Credit Strategy Lead, we are looking for a Lead Credit Strategy Analyst to play a pivotal role in the development and maintenance of Starling’s credit strategies across unsecured and secured retail and SME lending products.

Responsibilities:

• Developing credit decisioning lending strategies for both retail and SME secured and unsecured products
• Developing capability and processes to meet new and existing regulatory requirements
• Driving insight to ensure portfolio credit risks are clearly understood and managed appropriately, maintaining a detailed understanding of portfolio performance
• Providing regular updates on portfolio performance at our monthly Credit Risk Committee
• Support maintaining proactive portfolio compliance with the UK regulatory regime
• Build strong stakeholder relationships, both with internal and key external contacts

Requirements

• Subject matter expert on regulations and lending standards applicable to lending in the UK
• Relevant experience in a risk or credit function within an FCA regulated company, ideally covered both secured and unsecured products
• Proven track record in the design, creation, implementation and enhancement of credit strategy across the lifecycle
• Experience working alongside or within data functions
• Excellent influencing, interpersonal and communication skills
• Highly numerate, with a relevant degree and excellent analytical skills
• Highly organised, with the ability to deliver to deadlines and manage conflicting priorities within a dynamic environment

Our recruitment process:

Interviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious.

In general you can expect the below:

Stage 1 - 15-20 minute video call with our Talent Acquisition team.

Stage 2 - 45 minute interview with our Risk Director - Asset Management and Senior Credit Strategy Lead. This stage will include a task which we will give you prior to the interview. We’ll then ask you to present and discuss your findings within the interview.

Stage 3 (if required) - 30-45 minutes meeting further members of the team.

• 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
• Incentivised 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 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.

By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.