Senior Credit Decision Modelling Analyst

Starling is the UK’s first and leading digital bank on a mission to fix banking! 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. Read more about our story here.

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 3,500 people across our London, Southampton, Cardiff and Manchester offices.

We are looking for a talented and passionate Senior Credit Decision Modelling Analyst to join our 2nd line Credit Risk team. Our team plays a critical role in developing and maintaining credit risk models and strategies across Starling, including the models used to assess our new lending applications. If you have experience in credit risk model development, and are eager to be part of the team that plays a vital role in credit risk management, we want to hear from you!

As a Senior Credit Decision Modelling Analyst, you will be responsible for:

• Developing and implementing credit risk models and strategies.
• Working closely with stakeholders to ensure that 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.

• Minimum 3 - 5 years’ experience in developing credit risk models.
• Proficient in the use of analytical tools such as Python/R/SQL/SAS and spreadsheets.
• Graduate level education preferable, ideally in a numerical degree (or an 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 that is suitable for the target audience.
• Organised, flexible and adaptable, with the ability to switch between tasks seamlessly.
• Strong problem-solving skills and attention to detail.
• Excellent communication and teamwork abilities.

• 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

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 & 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.

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We use AI tools to support various parts of our recruitment process, helping our team manage applications and assessments more efficiently. These tools are strictly used for support and do not replace human judgment with all final hiring decisions being made by our team. If you would like more information about how your data is processed, please reach out to us.