At a Glance
- Tasks: Shape the future of lending by optimising credit decisions using data-driven insights.
- Company: Join Starling, a disruptive tech bank transforming how people manage their money.
- Benefits: Competitive salary, flexible working, and opportunities for professional growth.
- Other info: Collaborative culture with a focus on innovation and customer outcomes.
- Why this job: Make a real impact on responsible lending while working in a dynamic environment.
- Qualifications: Strong analytical skills and experience in credit risk management.
The predicted salary is between 55000 - 65000 £ per year.
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 3,000 people across our London, Southampton, Cardiff and Manchester offices.
As a Senior Credit Risk Analyst, you’ll play a key role in shaping the future of our lending portfolios. You’ll be at the forefront of credit decision optimisation, using data-driven insights to refine our strategies across the credit risk lifecycle. You’ll help ensure lending decisions remain accurate, responsible, and aligned with our risk appetite and business goals, while supporting growth, customer outcomes and regulatory expectations. This is a high-impact role where your analytical expertise and curiosity will directly influence our ability to lend safely and fairly.
Key Responsibilities- Develop expert understanding of new business originations and in-life credit risk management, including all aspects of credit decisioning and customer journeys.
- Optimise our credit underwriting – both automated and manual – to improve accuracy, efficiency, and control.
- Monitor and evaluate strategy performance, including underwriting, limit changes to drive performance improvements.
- Investigate and develop new data sources to enhance insight and decision capability.
- Build and maintain datasets, dashboards and MI to support data-driven strategy decisions.
- Support business growth and profitability while balancing risk, reward and responsible lending.
- Work closely with 2LoD Credit Risk and Compliance to ensure strategies align with risk appetite and regulatory expectations.
- Collaborate with Product, Data and Engineering teams to deliver rapid, safe implementation of credit rules and enhancements.
- Produce thoughtful, actionable analysis and clear recommendations for decision-makers.
Senior Credit Risk Analyst in Manchester employer: Onyx-Conseil
At Starling, we pride ourselves on being an innovative employer that combines the best of banking with a dynamic tech culture. Our commitment to employee growth is evident through our supportive work environment and opportunities for professional development, all while being part of a mission-driven team that values fairness and transparency in financial services. With offices in vibrant cities like London and Manchester, we offer a unique chance to make a meaningful impact in the world of finance, ensuring that our employees thrive both personally and professionally.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst in Manchester
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that Senior Credit Risk Analyst role.
✨Tip Number 2
Prepare for those interviews by brushing up on your analytical skills and understanding of credit risk management. We recommend practising common interview questions and scenarios related to credit decision optimisation to show you’re ready to hit the ground running.
✨Tip Number 3
Don’t forget to showcase your data-driven mindset! Bring examples of how you’ve used data to influence decisions in past roles. We want to see your curiosity and analytical expertise shine through during discussions.
✨Tip Number 4
Apply directly through our website! It’s the best way to ensure your application gets noticed. Plus, we love seeing candidates who are genuinely interested in being part of our innovative team at Starling.
We think you need these skills to ace Senior Credit Risk Analyst in Manchester
Some tips for your application 🫡
Show Your Analytical Skills:As a Senior Credit Risk Analyst, we want to see your analytical prowess shine through in your application. Use specific examples from your past experiences that demonstrate how you've used data-driven insights to make impactful decisions.
Tailor Your Application:Make sure to customise your CV and cover letter for the role. Highlight your experience with credit risk management and any relevant projects that align with our mission of responsible lending. We love seeing candidates who take the time to connect their skills with our needs!
Be Clear and Concise:When writing your application, clarity is key! We appreciate straightforward language that gets to the point. Avoid jargon unless it’s necessary, and ensure your recommendations and analyses are easy to follow.
Apply Through Our Website:We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it shows us you’re keen on joining our innovative team!
How to prepare for a job interview at Onyx-Conseil
✨Know Your Numbers
As a Senior Credit Risk Analyst, you'll need to demonstrate your analytical skills. Brush up on key metrics related to credit risk and be ready to discuss how you've used data to drive decisions in the past. Show them you can turn numbers into actionable insights!
✨Understand Their Culture
Starling prides itself on being a disruptive tech company. Familiarise yourself with their values and culture. Be prepared to explain how your approach to credit risk aligns with their mission of making banking fairer and easier for everyone.
✨Prepare for Scenario Questions
Expect questions that ask you to solve hypothetical problems or analyse case studies. Think about how you would optimise credit underwriting or evaluate strategy performance. Practising these scenarios will help you articulate your thought process clearly.
✨Show Your Collaborative Spirit
This role involves working closely with various teams. Be ready to share examples of how you've successfully collaborated with others, especially in cross-functional settings. Highlight your ability to communicate complex ideas simply and effectively.
