Senior Credit Decision Modelling Analyst

Starling, the UK's first and leading digital bank, is seeking a Senior Credit Decision Modelling Analyst to join its 2nd line Credit Risk team.

As a Senior Credit Decision Modelling Analyst, you will be responsible for developing and implementing credit risk models and strategies. You will work closely with stakeholders to ensure model developments meet business requirements, produce detailed model documentation, monitor model performance, and collaborate with model validation teams.

Key responsibilities include:

• Developing and implementing credit risk models and strategies
• Working closely with stakeholders to ensure model developments meet business requirements
• Producing detailed model documentation, including methodology, assumptions, and limitations
• Monitoring model performance and conducting regular reviews to ensure accuracy and stability
• Collaborating with model validation teams to address any findings and ensure models are robust
• Presenting model developments to Senior leadership and representing the Credit Risk Modelling team with internal and external stakeholders

Requirements:

• Minimum 3-5 years' experience in developing credit risk models
• Proficient in analytical tools such as Python, R, SQL, SAS, and spreadsheets
• Graduate-level education preferable, ideally in a numerical degree (or equivalent work experience)
• Good understanding of unsecured lending products, ideally covering both retail and SME
• Good knowledge of regulatory and risk management guidelines relating to credit risk
• Ability to articulate model development methodologies and findings in a succinct and clear way
• Organised, flexible, and adaptable, with strong problem-solving skills and attention to detail

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
• 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