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. As a Senior Credit Risk Analyst, youll play a key role in shaping the future of our lending portfolios. You’ll be at the forefront of credit decision optimisation, using data-driven insights to refine our strategies across the credit risk lifecycle.You’ll help ensure lending decisions remain accurate, responsible, and aligned with our risk appetite and business goals, while supporting growth, customer outcomes and regulatory expectations. This is a high-impact role where your analytical expertise and curiosity will directly influence our ability to lend safely and fairly.<h3>Key Responsibilities</h3>- Develop expert understanding of new business originations and in-life credit risk management, including all aspects of credit decisioning and customer journeys- Optimise our credit underwriting – both automated and manual – to improve accuracy, efficiency, and control- Monitor and evaluate strategy performance, including underwriting, limit changes to drive performance improvements.- Investigate and develop new data sources to enhance insight and decision capability- Build and maintain datasets, dashboards and MI to support data-driven strategy decisions- Support business growth and profitability while balancing risk, reward and responsible lending- Work closely with 2LoD Credit Risk and Compliance to ensure strategies align with risk appetite and regulatory expectations- Collaborate with Product, Data and Engineering teams to deliver rapid, safe implementation of credit rules and enhancements- Produce thoughtful, actionable analysis and clear recommendations for decision-makersWe’re looking for someone who has:- Solid experience in an analytical role within unsecured lending (retail or SME)- Proficiency in SQL (essential), with working knowledge of Python, SAS or similar- Strong background in credit analytics. Experience with decisioning systems and rule optimisation is a plus- A deep understanding of credit reference agency data and how to leverage it effectively- Experience working with credit MI and KPIs (e.g. loss rates, delinquency, vintage curves)- A track record of using data to inform business decisions and improve lending outcomes- Exposure to regulatory standards relevant to credit risk (e.g. CONC) is a plus<h3>Behaviours &amp; Competencies</h3>- Strong interpersonal and stakeholder communication skills- Strong desire to solve problems – using regulation and data to drive business decisions- Ability to analyse and interpret complex information and translate into practical action- Hands-on, resilient and adaptable in a fast-moving and evolving environment- Naturally curious, proactive, and biased towards action- Strong commercial awareness and understanding of portfolio dynamics- A true team player with a collaborative approach to stakeholder engagement

Starling Bank

Senior Credit Risk Analyst

Starling Bank

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