Credit Risk Manager

• Play a pivotal role in credit risk strategy design and oversight of Starling's third-party asset portfolios, including subsidiaries — reporting to the 1LOD Head of Credit Risk. • Focus predominantly on retail mortgages (owner-occupied and buy-to-let), covering the full product lifecycle from strategy design through to portfolio monitoring. • Act as subject matter expert on credit risk across the business, supporting changes to subsidiary credit policies and enabling appropriate governance. • Build strong stakeholder relationships with internal and key external contacts. • Hybrid role based in London or Manchester.

• 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 UK lending. • Excellent influencing, interpersonal, and communication skills. • Highly numerate with a relevant degree and excellent analytical skills. • Excellent attention to detail, able to identify trends, issues, or opportunities from both qualitative and quantitative information. • Highly organised, able to deliver to deadlines and manage conflicting priorities in a dynamic environment.

• Coding experience in SQL, Python, or similar languages. • Experience with buy-to-let mortgage portfolios specifically. • Background supporting or managing analysts, with line management experience.

• Provide oversight and contribution to credit strategy design for third-party asset credit portfolios, predominantly retail mortgages. • Conduct detailed portfolio monitoring to proactively highlight areas of marginal risk or concern. • Take a lead role in supporting changes to subsidiary credit policies and strategies, enabling appropriate governance steps. • Identify, monitor, and highlight 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 retail mortgages. • Build and maintain strong relationships with internal and key external stakeholders. • Provide support and line management to analysts in the team.

• 25 days holiday plus public holidays taken whenever works best for you. • An extra day's holiday on your birthday. • Annual leave increases with length of service, with the option to buy or sell up to five extra days. • 16 hours paid volunteering time per year. • Salary sacrifice, company-enhanced pension scheme. • Life insurance at 4x salary. • Private Medical Insurance with VitalityHealth, including mental health support and cancer care. • Generous family-friendly policies. • Access to Cycle to Work and salary-sacrificed gym partnerships.

Starling Bank is the UK's first and leading digital bank, on a mission to fix banking. Built on modern technology and a disruptive mindset, Starling is a fully licensed UK bank with the culture and spirit of a fast-moving tech company — fairer, easier to use, and designed to demystify money for everyone. Starling employs more than 3,500 people across offices in London, Southampton, Cardiff, and Manchester.