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 3,000 people across our London, Southampton, Cardiff and Manchester offices.
The Starling Credit Risk team is looking for someone to join their team as a Credit Oversight Manager - credit risk oversight. This is a senior role within the team and previous credit experience is required. This role is across all of Starling's portfolios (Mortgage, SME and unsecured) and all aspects of the lending journey, including underwriting/origination, portfolio management, portfolio analysis and Collections/Recoveries.
If you’re ambitious, inquisitive, proactive and want to learn more, we want to hear from you.
As a Credit Oversight Manager - Credit Risk Oversight, you will be responsible for:
- Oversight, review and challenge of all relevant 1st line lending activities from a credit risk perspective, covering the entire credit risk cycle across all lending products. This will include the review and challenge of 1st line proposals.
- Acting as an expert in credit risk across the full lending journey.
- Undertake both account level assurance and thematic reviews on all lending activities, which include reviewing customer outcomes, appropriateness of risk controls, quality of reporting, compliance with relevant regulations and the implementation and adherence to risk appetite and policies.
- Driving best practice in the bank's approach to assurance on its lending activities.
- Support the development and maintenance of the Bank’s credit risk appetite and policy suite.
- 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 preparation and submission of reporting to credit committees through credit expertise and market insights.
- Support the development of the credit risk team through providing training and coaching to colleagues within the team.
- Ideally 5+ years experience in credit risk, either in a second line environment or in a first line lending function with experience in credit assessment/risk.
- Understanding and experience in arrears, collections and recoveries for retail and / or SME lending products.
- Understanding and working knowledge of current and future regulations, e.g. CONC, MCOB
- Excellent attention to detail and an ability to identify trends, issues or opportunities from information to hand (both qualitative and quantitative).
- Technical and interpersonal skills, with an ability to articulate challenge, both verbally and in written reports and be challenged constructively.
- Experienced in using Excel/Google Sheets, Word/Google Docs, Powerpoint/Google slides.
- Organised, flexible and adaptable, with the ability to switch between tasks seamlessly.
- Proven and proactive self starter.
- 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.
By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.
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What We Do
Hello, we’re Starling. Banking was broken – so we decided to fix it. The vision? Fast technology, fair service and honest values. All at the tap of a phone, all the time. We built Britain’s first digital bank. One hard-won banking licence later, we set about giving people a new way to spend, save and manage their money (and take better care of the planet, too). We’re changing banking for good. Back then, we were obsessed with unravelling the knotty world of finance and solving people’s problems rather than selling them stuff. We still are. Since then, we’ve grown. A lot. Over three million accounts (and four account types!). A team of thousands. Headquartered in London with offices in Cardiff, Dublin, Manchester and Southampton. Five years voted Which? Recommended Provider and Britain's Best Banking Brand. Still zero branches. Our culture is open, inclusive and focused on solving real customer problems, with an emphasis on doing the right thing, even when it’s not always the easy thing. From our approach to working together and sustainability to how we build our products, our decisions need to make the world – and Starling – a better place to be. Everyone at Starling is essential to our mission, which is really quite simple: to solve our customer’s problems – and build the best bank in the world! And now we're providing Starling to other banks, via a Software-as-a-Service (SaaS) proposition through our subsidiary Engine, using the proprietary technology platform that it uses to power our own bank.
