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Wholesale Credit Risk Lead
3 months ago
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.
Everyone at Starling gets the chance to own interesting things from day 1, and we’re told one of the best things about working here is the ability to achieve a lot in a short space of time.
To support our ongoing growth, we’re looking to recruit a Wholesale Credit Risk Lead within the 2nd line Financial Risk Team. The role covers the analysis of wholesale credit risk within the business. It will be hands-on with senior exposure. This role represents a fantastic opportunity to join a vibrant institution and to shape the Bank’s approach to managing risks from Treasury activities.
Starling’s wholesale credit risk arises from its balance sheet management activities and its investments in instruments, such as covered bonds and asset backed securities. Starling is looking for a risk expert in this area to undertake robust risk analysis to support decision making on what limits Starling should have in place.
Work will include:
Providing robust risk analysis of the Bank’s wholesale credit risk exposures ahead of new investments in a prompt and timely manner; Undertaking robust risk analysis of new product proposals; Performing annual reviews of existing wholesale credit lines. Proposing what MI Starling should be reporting to committees regarding the Bank’s wholesale credit risk exposures; Reporting on wholesale credit risk exposures to the Executive Risk Committee, Board Risk Committee and Board; Undertaking ongoing monitoring of exposures and undertaking regular reviews of current limits to ensure that they remain appropriate; Working with 1LoD to stress test the portfolio as appropriate; Undertaking reviews of 1LoD reporting against the exposures; Proposing risk appetite, limits and Key Risk Indicators; Drafting the bank’s Wholesale Credit Risk Policy; Establishing good working relationships with the 1LoD Treasury function, which owns the risk and the daily risk reporting; and Undertaking horizon scanning of new regulatory requirements and making considerations of the impacts; Developing an in-house credit rating system for the Bank where appropriate.Requirements
Strong demonstrable experience working in a 2LOD risk function, 1LOD front or middle office Treasury function, or regulatory environment with expertise in a wholesale credit risk; Extensive, hands-on experience of conducting analyses of wholesale credit exposures, including covered bonds and RMBS issues. Understanding of regulatory requirements for wholesale credit risk; Flexible and adaptable; must be able to juggle multiple competing priorities whilst managing expectations; Self-starter; proactive attitude, committed to continuous improvement and willing to drive different initiatives in a changing environment; Strong stakeholder management skills and a track record of building senior level relationships; Strong influencing skills and an ability to manage change and react quickly with a view; Excellent interpersonal skills, including the ability to challenge in a positive manner and handle difficult situations; Excellent decision making, planning and prioritising skill; and Ability to use SQL and/or Python is desirable.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 & group income protection 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 Incentivised refer a friend scheme 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, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasingAbout 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.
