At a Glance
- Tasks: Lead credit risk strategy and oversee third-party asset portfolios, focusing on retail mortgages.
- Company: Join Starling, a disruptive tech bank transforming how people manage their money.
- Benefits: Enjoy 25 days holiday, private medical insurance, and generous family-friendly policies.
- Other info: Flexible working options and a commitment to diversity and inclusion.
- Why this job: Make a real impact in reshaping banking while working with a diverse and innovative team.
- Qualifications: Experience in credit risk within FCA regulated companies 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 employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices.
Reporting to the 1LOD Head of Credit Risk, we are looking for a Credit Risk Manager to play a pivotal role in the credit risk strategy design and oversight of Starling’s third party asset portfolios, including subsidiaries.
Key Responsibilities:- Oversight and contribution to credit strategy design for third party asset credit portfolios, predominantly focusing on retail mortgages (owner occupied and buy-to-let)
- Detailed portfolio monitoring to proactively highlight areas of marginal risk and/or concern
- Taking a lead role in supporting changes to subsidiary credit policies and strategies, enabling appropriate governance steps to be undertaken
- Identifying, monitoring and highlighting emerging risks related to credit risk on the Bank’s third party asset portfolios
- Act as subject matter expert on credit risk across the full product lifecycle, particularly in relation to retail mortgages
- Build strong stakeholder relationships, both with internal and key external contacts
- Provide support to analysts in the team with line management responsibilities available
- Substantial experience in a risk or credit function within an FCA regulated company, ideally including retail mortgages
- Proven track record in the design, creation, implementation and enhancement of credit strategy across the lifecycle
- Experience working alongside or within data functions
- Familiar with regulations and lending standards applicable to lending in the UK
- Excellent influencing, interpersonal and communication skills
- Excellent attention to detail and an ability to identify trends, issues or opportunities from information to hand (both qualitative and quantitative)
- Highly numerate, with a relevant degree and excellent analytical skills
- Coding experience would be beneficial but not essential (SQL, Python etc.)
- Highly organised, with the ability to deliver to deadlines and manage conflicting priorities within a dynamic environment
- 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
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.
Credit Risk Manager in London employer: Starling Bank
At Starling Bank, we pride ourselves on being a forward-thinking employer that combines the innovation of a tech company with the stability of a fully licensed bank. Our vibrant work culture fosters collaboration and inclusivity, offering employees ample opportunities for growth and development, alongside generous benefits such as enhanced holiday allowances, private medical insurance, and family-friendly policies. Join us in reshaping banking while enjoying a supportive environment that values your contributions and well-being.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Manager in London
✨Tip Number 1
Network like a pro! Reach out to people in the industry, especially those at Starling. A friendly chat can open doors and give you insights that a job description just can't.
✨Tip Number 2
Prepare for the interview by knowing your stuff. Brush up on credit risk strategies and be ready to discuss how your experience aligns with Starling's mission. Show them you're not just another candidate!
✨Tip Number 3
Practice makes perfect! Do mock interviews with friends or use online resources. The more comfortable you are talking about your skills and experiences, the better you'll come across.
✨Tip Number 4
Don't forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, it shows you're genuinely interested in being part of the Starling team.
We think you need these skills to ace Credit Risk Manager in London
Some tips for your application 🫡
Show Your Passion:When writing your application, let your enthusiasm for the role and our mission shine through. We want to see why you're excited about joining Starling and how you can contribute to reshaping banking.
Tailor Your CV:Make sure your CV is tailored to highlight your relevant experience in credit risk and retail mortgages. We love seeing how your background aligns with our needs, so don’t hold back on showcasing your achievements!
Be Clear and Concise:Keep your application clear and to the point. Use straightforward language and avoid jargon where possible. We appreciate a well-structured application that makes it easy for us to see your skills and experience.
Apply Through Our Website:Don’t forget to apply 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 serious about joining our team!
How to prepare for a job interview at Starling Bank
✨Know Your Credit Risk Stuff
Make sure you brush up on your knowledge of credit risk management, especially in relation to retail mortgages. Be ready to discuss specific strategies you've implemented in the past and how they align with Starling's innovative approach.
✨Showcase Your Analytical Skills
Prepare to demonstrate your analytical prowess by discussing how you've identified trends or risks in previous roles. Bring examples of how your attention to detail has led to successful outcomes in credit strategy design.
✨Build Relationships
Starling values strong stakeholder relationships, so think about how you've successfully collaborated with others in your past roles. Be ready to share examples of how you've influenced decisions and built rapport with both internal teams and external partners.
✨Be Ready for Dynamic Discussions
Given the fast-paced nature of Starling, be prepared to discuss how you've managed conflicting priorities in a dynamic environment. Share specific instances where you've successfully navigated challenges while delivering results on time.
