Credit Risk Manager
CompanyStarling
Location
Manchester, England, United Kingdom
Employment TypeFull-time
Posted At4/17/2026
UK Visa Sponsorship Analytics
Occupation Type
Business and financial project management professionals
Occupation Code Skill LevelHigher Skilled
Sponsorship Salary Threshold
£56,500
(£28.97 per hour)
Occupation rate applies
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Description
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 3,500 people across our London, Southampton, Cardiff and Manchester offices.
Reporting to the 1LOD Head of Credit Risk, we are 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.
Key Responsibilities:
Reporting to the 1LOD Head of Credit Risk, we are 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.
Key Responsibilities:
- Oversight and contribution to credit strategy design for third party asset credit portfolios, predominantly focusing on retail mortgages (owner occupied and buy-to-let)
- 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, enabling appropriate governance steps to be undertaken
- Identifying, monitoring and highlighting emerging risks related to credit risk on the Bank's third party asset portfolios
- Act as subject matter expert on credit risk across the full product lifecycle, particularly in relation to retail mortgages
- Build strong stakeholder relationships, both with internal and key external contacts
- Provide support to analysts in the team with line management responsibilities available
- 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
- Familiar with regulations and lending standards applicable to lending in the UK
- 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
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.