# Credit Risk Manager

**Company**: Starling
**Location**: Manchester
**Work arrangement**: onsite
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://apply.workable.com/j/78D353383C
**Canonical**: https://yubhub.co/jobs/job_c8ce6a7d-c40

## Description

We're 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. This role will involve overseeing and contributing to credit strategy design for third-party asset credit portfolios, predominantly focusing on retail mortgages (owner-occupied and buy-to-let). You will also be responsible for detailed portfolio monitoring to proactively highlight areas of marginal risk and/or concern.

Key responsibilities include:

- Oversight and contribution to credit strategy design for third-party asset credit portfolios

- 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

- Identifying, monitoring, and highlighting emerging risks related to credit risk on the Bank's third-party asset portfolios

- Acting as a subject matter expert on credit risk across the full product lifecycle, particularly in relation to retail mortgages

- Building strong stakeholder relationships, both with internal and key external contacts

Requirements include:

- 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

- Familiarity 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

Benefits include:

- 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

## Skills

### Required
- credit risk management
- risk analysis
- portfolio monitoring
- credit strategy design
- regulatory compliance
- data analysis
- SQL
- Python