Senior Analyst - Credit Risk Analytics
Starling Bank, United Kingdom
Job Description
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 2,500 people across our London, Southampton, Cardiff and Manchester offices.
The Starling Credit Risk team is looking for someone to join their team as a senior analyst - credit risk analytics. This is a senior role within the team and previous credit experience is required. This role will suit someone who has credit analytics experience across all aspects of the lending journey including origination, portfolio management, portfolio analysis or Collections and is looking to develop their career further.
If you’re ambitious, inquisitive, proactive and want to learn more, we want to hear from you.
As a Senior Analyst, you will be responsible for:
- Review and challenge of all relevant 1st line lending activities from a credit risk analytics perspective, covering the entire credit risk cycle across all lending products. This will include the review and challenge of 1st line proposals.
- Preparation and management of credit risk management information, reporting and dashboards.
- Regular reviews of the appropriateness of information being reported and changes/updates needed to the reporting dashboards to reflect risk priorities.
- Driving best practice in the bank's approach to the maintenance of data, code and reporting dashboards.
- Undertaking regular and ad-hoc deep dive analysis of the Bank's lending portfolios. This will include analysis proactively identifying any areas of concern or opportunity for the Bank.
- Support the development and maintenance of the Bank’s credit risk appetite.
- Support due diligence on any 3rd party outsourcers and/or portfolio acquisitions.
- Support both 1LOD and 2LOD teams with key projects as required.
- Support the development of the credit risk team through providing training and coaching to colleagues within the team.
Requirements
- 2 - 5 years experience in credit risk analytics, ideally in a second line environment or in a first line lending function with an expertise in credit risk.
- Expert in the use of analytical tools such as R/Python/SQL/SAS and spreadsheets.
- Excellent attention to detail and an ability to identify trends, issues or opportunities from information extracted.
- Ability to articulate findings from analysis in a succinct and clear way that is suitable for the target audience.
- Organised, flexible and adaptable, with the ability to switch between tasks seamlessly.
- Proven and proactive self starter.
- Technical and interpersonal skills, with an ability to challenge and be challenged constructively.
Benefits
- 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, Mramp;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
About Us
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 amp; 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 charac