Senior Credit Risk Modelling & Strategy Lead

Starling; Cardiff; On-site; GBP 110,000 - 140,000; Full time

Benefits offered by this job

25 days holiday (plus public holidays)

Birthday leave

Pension scheme

Life insurance

Private Medical Insurance

Volunteering time

Perkbox membership

Cycle to Work

Job summary

Starling Bank is seeking a Head of Credit Risk Modelling and Strategy to lead the development, validation and governance of credit risk models and decisioning strategies across retail and SME lending. You will drive risk insights, ensure regulatory compliance and collaborate with the first and second lines of defence to safeguard the bank's credit risk framework.

You will manage a high-performing team, stay ahead of regulatory expectations, and influence strategic decisions with robust model

Qualifications

• 10+ years' experience in Credit Risk within Banking.
• Strong experience in credit risk modelling, via development or validation roles.
• Strong understanding of retail and SME lending products.
• Experience of developing and maintaining credit risk strategies, ideally in unsecured retail lending.
• Experience across mortgages, unsecured retail lending and SME lending.
• Proven experience in influencing, negotiation and relationship management.
• Strong communication skills, with experience of presenting model-related documents.
• Coding experience in Python, R, SAS or similar.
• Knowledge of model risk governance.

Responsibilities

• Lead 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 lending products.
• Define standards for credit risk model development aligning to the Bank's Model Risk Framework.
• Ensure all credit risk models and strategies comply with UK regulatory standards (PRA & FCA).
• Collaborate with internal stakeholders including Asset Management and Finance teams.
• Document models and present outputs to senior stakeholders and committees.
• Lead and develop a high performing team of risk modelling analysts; support CPD.
• Keep track of industry trends and regulatory requirements to enhance credit risk management.

Skills

Credit risk modelling

Python

R

SAS

Communication skills

Negotiation

Relationship management

Model risk governance

Tools

Python

R

SAS

Job description

Starling Bank is seeking a Head of Credit Risk Modelling and Strategy to lead the development, validation and governance of credit risk models and decisioning strategies across retail and SME lending. You will drive risk insights, ensure regulatory compliance and collaborate with the first and second lines of defence to safeguard the bank's credit risk framework.

You will manage a high-performing team, stay ahead of regulatory expectations, and influence strategic decisions with robust model