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: Enjoy competitive salary, flexible working, and opportunities for professional growth.
- Other info: Be part of a dynamic team in a fast-paced, supportive environment.
- Why this job: Make a real impact on responsible lending while collaborating with innovative teams.
- Qualifications: Experience in credit risk analysis and strong analytical skills required.
The predicted salary is between 60000 - 80000 £ 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: Lending Optimization Lead in Manchester employer: Onyx-Conseil
At Starling, we pride ourselves on being an innovative employer that combines the agility of a tech company with the stability of a fully licensed bank. Our collaborative work culture fosters creativity and growth, offering employees ample opportunities for professional development while making a meaningful impact on how people manage their finances. With offices in vibrant cities like London and Manchester, we provide a dynamic environment where your contributions as a Senior Credit Risk Analyst will directly shape our lending strategies and customer experiences.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Credit Risk Analyst: Lending Optimization Lead 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 dream job.
✨Tip Number 2
Prepare for interviews by researching the company and its culture. We want you to show how your skills align with their mission. Practice common interview questions and think about how you can demonstrate your analytical expertise and curiosity.
✨Tip Number 3
Don’t forget to follow up after interviews! A quick thank-you email can go a long way. It shows your enthusiasm for the role and keeps you fresh in their minds. We love seeing candidates who are proactive!
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, we’re always looking for passionate individuals who want to help us shape the future of banking. Let’s make it happen together!
We think you need these skills to ace Senior Credit Risk Analyst: Lending Optimization Lead 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 this 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 what we do!
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 industry-specific and relevant, and make sure your passion for the role comes through.
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 you’re keen on joining our innovative team at Starling!
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 lending optimisation. Be ready to discuss how you've used data to drive decisions in previous roles.
✨Understand the Business
Familiarise yourself with Starling's approach to banking and their unique culture. Show that you understand how technology can transform financial services and be prepared to discuss how you can contribute to their mission of fairer lending.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving abilities. Think of specific examples where you've optimised credit decisioning or improved risk management processes. Use the STAR method (Situation, Task, Action, Result) to structure your responses.
✨Collaborative Mindset
Highlight your experience working with cross-functional teams, especially with Product, Data, and Engineering. Discuss how collaboration has led to successful outcomes in your past roles, as this is crucial for the role at Starling.
