Credit Risk Manager · Starling

Fri, 24 Apr 2026 14:19:52 GMT
Finance

Starling · Manchester · onsite

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