Senior Credit Decision Modelling Analyst

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.

Responsibilities

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

Requirements

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; 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

Nice to have

Graduate level education preferable, ideally in a numerical degree (or an equivalent work experience)

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, 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